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CD Rate Trends

Kansas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Kansas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Kansas CD rates include Topeka Police Credit UnionTopeka Police Credit Union320 S Kansas Ave Ste 100, Topeka, KS 66603 3644A+5.0 ★Texas Ratio: 0.27%Real return: +2.20%APY minus CPI (February 2026) offering Kid's Certificate 6 Month at 5.00% APY, Grant County BankGrant County Bank201 S Main St, Ulysses, KS 67880A5.0 ★Texas Ratio: 10.01%Real return: +1.99%APY minus CPI (February 2026) offering 5 Year Certificates of Deposit (CDs) at 4.79% APY, Heartland Credit Union Hutchinson, KSHeartland Credit Union Hutchinson, KS900 E 23rd Ave, Hutchinson, KS 67502 5648A5.0 ★Texas Ratio: 9.12%Real return: +1.75%APY minus CPI (February 2026) offering 48 Month Business IRA/HSA Certificate at 4.55% APY, TriCentury BankTriCentury Bank33485 Lexington Ave, De Soto, KS 66018A+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate at 4.50% APY, and Academy BankAcademy Bank10000 College Blvd, Overland Park, KS 66210A+5.0 ★Texas Ratio: 5.08%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month Certificate of Deposit at 4.40% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Kansas side-by-side. Kansas CD rates currently reach as high as 5.00% APY from Topeka Police Credit Union at 320 S Kansas Ave Ste 100, Topeka, KS 66603 3644. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Kansas

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Kansas 3 Month CD Rates

MonitorBankRates Kansas Average · 3 Month CD1.98% APY▲ 0.02% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Kansas is 1.98% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
3 Month Certificate of Deposit
$0
4.06% ▲ 2.08% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 2.08% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
8801 Renner Boulevard Suite 401, Lenexa, KS 66219
3 Month Certificate
$0
4.05% ▲ 2.07% above Kansas avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 2.07% above avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 6 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 13, 2026
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
1700 N Lincoln Ave, Liberal, KS 67901
3-Month CD
$1,000
4.00% ▲ 2.02% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 2.02% above avgNationally 2.09%
Details

Interest credited At Maturity; Brilliant Bank's CD is a certificate of deposit with initial Annual Percentage Yield available for new depositors only. Rate is accurate as of website publication and subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
3-Month Certificate
$0
4.00% ▲ 2.02% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 2.02% above avgNationally 2.09%
Details

No minimum deposit.

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
Limited Time 3 Month Share Certificate
$1,000
4.00% ▲ 2.02% above Kansas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 2.02% above avgNationally 2.09%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
3 Month Certificate
$0
3.91% ▲ 1.93% above Kansas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 1.93% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 14, 2026: 3.80% APYOct 8, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.91%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
11935 Riley St, Overland Park, KS 66213
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85% ▲ 1.87% above Kansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 2, 2026
Kansas Average1.98%▲ 1.87% above avgNationally 2.09%
Details

Special Offer. Apply now: balances under $100k. Effective Date: 10/2/2026. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals.

Rate History
No change since Sep 27, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 27, 2026: 3.85% APYSep 27, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Month Certificates of Deposit (CDs)
$100
3.84% ▲ 1.86% above Kansas avg
View
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 1.86% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.84% ▲ 0.05 pts · high 3.84% / low 3.79%
3.29%3.82%4.34%Sep 14, 2026: 3.79% APYSep 24, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
3 Month CD
$1,000
3.80% ▲ 1.82% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 1.82% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Month Certificates of Deposit (CDs)
$100
3.74% ▲ 1.76% above Kansas avg
View
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 1.76% above avgNationally 2.09%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.74% ▲ 0.05 pts · high 3.74% / low 3.69%
3.19%3.72%4.24%Sep 14, 2026: 3.69% APYSep 24, 2026: 3.74% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.74%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6280 W 135th St, Overland Park, KS 66223
3 Month IRA Certificate
$0
3.60% ▲ 1.62% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kansas Average1.98%▲ 1.62% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6280 W 135th St, Overland Park, KS 66223
3 Month Share Certificates
$0
3.60% ▲ 1.62% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kansas Average1.98%▲ 1.62% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
3 Month Business Certificate
$0
3.60% ▲ 1.62% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 1.62% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
3 Month IRA Certificate
$0
3.60% ▲ 1.62% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 1.62% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
3 Month Share Certificate
$0
3.60% ▲ 1.62% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 1.62% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
3 Month IRA CD
$1,000
3.54% ▲ 1.56% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 1.56% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 3.54% ▼ 0.06 pts · high 3.60% / low 3.54%
3.04%3.57%4.10%Sep 19, 2026: 3.60% APYOct 3, 2026: 3.54% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.54%▼ from 3.60%
  • Sep 19, 20263.60%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
3 Month CD
$1,000
3.50% ▲ 1.52% above Kansas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 1.52% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 19, 2026: 3.60% APYOct 3, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.50%▼ from 3.60%
  • Sep 19, 20263.60%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
3 Month Certificate
$1,000
3.49% ▲ 1.51% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 1.51% above avgNationally 2.09%
Details

Rate History
1 change since Sep 7, 2026 · 3.45% → 3.49% ▲ 0.04 pts · high 3.49% / low 3.45%
2.95%3.47%3.99%Sep 7, 2026: 3.45% APYOct 3, 2026: 3.49% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.49%▲ from 3.45%
  • Sep 7, 20263.45%first recorded
Kendall Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.53%
520 Main St, Nortonville, KS 66060
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.49% ▲ 1.51% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 1.51% above avgNationally 2.09%
Details

Interest is compounded and credited at maturity.

Rate History
No change since Sep 29, 2026 · 3.49% APY · checked 5 times
2.99%3.49%3.99%Sep 29, 2026: 3.49% APYSep 29, 2026Oct 13, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
1900 Main St, Parsons, KS 67357
3-Month CD
$1,000
3.40% ▲ 1.42% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 1.42% above avgNationally 2.09%
Details

Interest Payment Options; Early withdrawal penalty; Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
200 S Hersey Ave, Beloit, KS 67420
3 Month Share Certificates
$0
3.29% ▲ 1.31% above Kansas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▲ 1.31% above avgNationally 2.09%
Details

Dividend Paid: At Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
416 N Broadway St, Pittsburg, KS 66762 3919
3 Month Certificate of Deposit
$500
3.25% ▲ 1.27% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 1.27% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
3 Month Regular Certificate
$0
3.15% ▲ 1.17% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▲ 1.17% above avgNationally 2.09%
Details

Rates effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 13, 2026
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
2600 Anderson Ave, Manhattan, KS 66502
90 Day Share Certificate of Deposit
$0
3.00% ▲ 1.02% above Kansas avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 1.02% above avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal; minimum balance of $500 required for share certificates

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
104 Sunshine Rd, Kansas City, KS 66115 1314
Share Certificate 90 Days
$0
3.00% ▲ 1.02% above Kansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 1.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
3 Month Classic CD
$500
2.90% ▲ 0.92% above Kansas avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▲ 0.92% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
3 Month CD
$500
2.75% ▲ 0.77% above Kansas avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 0.77% above avgNationally 2.09%
Details

Interest Compounding Frequency:; Interest Availability: Maturity

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
200 East Ave S, Lyons, KS 67554
3 Month Certificate Special
$50,000
2.63% ▲ 0.65% above Kansas avg
View
▼
Rate2.60%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 0.65% above avgNationally 2.09%
Details

Balance: Over $50,000

Rate History
No change since Sep 30, 2026 · 2.63% APY · checked 4 times
2.13%2.63%3.13%Sep 30, 2026: 2.63% APYSep 30, 2026Oct 13, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
20 S Mission St, Council Grove, KS 66846
3 Months CD
$1,000
2.60% ▲ 0.62% above Kansas avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 0.62% above avgNationally 2.09%
Details

CD Only*

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 18, 2026: 2.50% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.60%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
522 Broadway Ave, Tribune, KS 67879
3 Month Certificate
$1,000
2.50% ▲ 0.52% above Kansas avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.52% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 13, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
3 Month IRA Certificate
$0
2.50% ▲ 0.52% above Kansas avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▲ 0.52% above avgNationally 2.09%
Details

Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
106 N Main St, Johnson, KS 67855
3 Month CDs
$0
2.43% ▲ 0.45% above Kansas avg
View
▼
Rate2.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.45% above avgNationally 2.09%
Details

$100,000; Compounding Frequency: Quarterly

Rate History
No change since Oct 7, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 7, 2026: 2.43% APYOct 7, 2026Oct 13, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
106 N Main St, Johnson, KS 67855
3 Month CD's equal to to $99,999
$0
2.38% ▲ 0.40% above Kansas avg
View
▼
Rate2.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.40% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.38% APY · checked 7 times
1.88%2.38%2.88%Sep 19, 2026: 2.38% APYSep 19, 2026Oct 13, 2026
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
601 S Main St, Hugoton, KS 67951
Regular Certificates of Deposit - 3 Months
$500
2.37% ▲ 0.39% above Kansas avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.39% above avgNationally 2.09%
Details

Compounded: At Maturity

Rate History
No change since Oct 7, 2026 · 2.37% APY · checked 2 times
1.87%2.37%2.87%Oct 7, 2026: 2.37% APYOct 7, 2026Oct 13, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
106 N Main St, Johnson, KS 67855
3 Month CD
$25,000
2.33% ▲ 0.35% above Kansas avg
View
▼
Rate2.31%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.35% above avgNationally 2.09%
Details

CD's equal to $25,000 to $49,999; Compounding Frequency: Quarterly

Rate History
No change since Oct 7, 2026 · 2.33% APY · checked 2 times
1.83%2.33%2.83%Oct 7, 2026: 2.33% APYOct 7, 2026Oct 13, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
106 N Main St, Johnson, KS 67855
3 Month CD
$1,000
2.28% ▲ 0.30% above Kansas avg
View
▼
Rate2.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.30% above avgNationally 2.09%
Details

CD's equal to $1000 to $24,999**; Compounding: Quarterly

Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
1.78%2.28%2.78%Oct 7, 2026: 2.28% APYOct 7, 2026Oct 13, 2026
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
8615 W Frazier Ln, Wichita, KS 67212 3834
Certificate of Deposit - 3 months
$5,000
2.02% ▲ 0.04% above Kansas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▲ 0.04% above avgNationally 2.09%
Details

Effective Sept. 1, 2026

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
3 Month Certificate of Deposit
$1,000
2.00% ▲ 0.02% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▲ 0.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 13, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6201 College Blvd, Overland Park, KS 66211
3-Month CD
$0
2.00% ▲ 0.02% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▲ 0.02% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3 Month Certificate
$0
2.00% ▲ 0.02% above Kansas avg
View
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▲ 0.02% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
200 East Ave S, Lyons, KS 67554
3 Month Certificate Special
$10,000
1.81% ▼ 0.17% below Kansas avg
View
▼
Rate1.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▼ 0.17% below avgNationally 2.09%
Details

Balance: $10,000 TO $49,999

Rate History
No change since Sep 30, 2026 · 1.81% APY · checked 4 times
1.31%1.81%2.31%Sep 30, 2026: 1.81% APYSep 30, 2026Oct 13, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1300 E 5th Ave, Winfield, KS 67156 2407
Share Certificates - 90 Day CD
$0
1.81% ▼ 0.17% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▼ 0.17% below avgNationally 2.09%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 7 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Oct 13, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6800 College Blvd, Leawood, KS 66211
3 Month Certificate of Deposit
$1,000
1.65% ▼ 0.33% below Kansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▼ 0.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 19, 2026: 1.65% APYSep 19, 2026Oct 13, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6800 College Blvd, Leawood, KS 66211
3 Month IRA Certificate of Deposit
$1,000
1.65% ▼ 0.33% below Kansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average1.98%▼ 0.33% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 19, 2026: 1.65% APYSep 19, 2026Oct 13, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
3 Month Certificate of Deposit
$1,000
1.56% ▼ 0.42% below Kansas avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▼ 0.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 6 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 13, 2026
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★Texas Ratio: 0.04%
2074 E Kansas Ave, Mcpherson, KS 67460
3 month CD
$1,000
1.51% ▼ 0.47% below Kansas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.98%▼ 0.47% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1300 E 5th Ave, Winfield, KS 67156 2407
Share Certificates - 90 Day CD
$0
1.51% ▼ 0.47% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▼ 0.47% below avgNationally 2.09%
Details

Balance: $25,000 - $75,000

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
3-Month CD
$0
1.50% ▼ 0.48% below Kansas avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.98%▼ 0.48% below avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 11, 2026: 1.50% APYSep 11, 2026Oct 13, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
200 East Ave S, Lyons, KS 67554
3 Month Certificate Special
$500
1.36% ▼ 0.62% below Kansas avg
View
▼
Rate1.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average1.98%▼ 0.62% below avgNationally 2.09%
Details

Balance: $500 TO $9,999

Rate History
No change since Sep 30, 2026 · 1.36% APY · checked 4 times
0.86%1.36%1.86%Sep 30, 2026: 1.36% APYSep 30, 2026Oct 13, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1300 E 5th Ave, Winfield, KS 67156 2407
Share Certificates - 90 Day CD
$0
1.31% ▼ 0.67% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.98%▼ 0.67% below avgNationally 2.09%
Details

Balance: $250 - $25,000

Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 13, 2026

Kansas 6 Month CD Rates

MonitorBankRates Kansas Average · 6 Month CD2.75% APY▼ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Kansas is 2.75% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
Kid's Certificate 6 Month
$0
5.00% ▲ 2.25% above Kansas avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 2.25% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 13, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
6 Month Share Certificate
$0
4.25% ▲ 1.50% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.75%▲ 1.50% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
0.00%3.75%7.50%Sep 14, 2026: 1.00% APYSep 21, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
6 Month CD
$1,000
4.15% ▲ 1.40% above Kansas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
6 Month IRA CD
$1,000
4.15% ▲ 1.40% above Kansas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.40% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 13, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
6 Month Certificate
$500
4.10% ▲ 1.35% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.75%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
6 Month Certificate of Deposit
$0
4.06% ▲ 1.31% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Sep 19, 2026: 4.06% APYSep 19, 2026Oct 13, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
Business Certificate of Deposit - SPECIAL 180 Day
$1,500
4.06% ▲ 1.31% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 13, 2026
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
8900 W 135th St, Overland Park, KS 66221
6 Month CD Options
$0
4.04% ▲ 1.29% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.29% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.04% APY · checked 6 times
3.54%4.04%4.54%Sep 19, 2026: 4.04% APYSep 19, 2026Oct 13, 2026
Community Bank Topeka, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5431 Sw 29th St, Topeka, KS 66614
6 Month Certificate of Deposit
$0
4.01% ▲ 1.26% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.26% above avgNationally 2.78%
Details

For a limited time, $1,000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
Limited Time 6 Month Share Certificate
$1,000
4.00% ▲ 1.25% above Kansas avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.25% above avgNationally 2.78%
Details

Limited Time 3-Month and 6-Month Share Certificates available on new Certificates. This is a promotional yield. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
702 N Washington St, Junction City, KS 66441
6 Month CD Special
$2,500
4.00% ▲ 1.25% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.25% above avgNationally 2.78%
Details

In select markets only. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 13, 2026
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
416 N Broadway St, Pittsburg, KS 66762 3919
6 Month Certificate of Deposit
$500
4.00% ▲ 1.25% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 1.25% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
6 Month Certificate
$0
3.99% ▲ 1.24% above Kansas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 1.24% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.94% → 3.99% ▲ 0.05 pts · high 3.99% / low 3.94%
3.44%3.97%4.49%Sep 14, 2026: 3.94% APYOct 8, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20263.99%▲ from 3.94%
  • Sep 14, 20263.94%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
6 Month Certificates of Deposit (CDs)
$100
3.94% ▲ 1.19% above Kansas avg
View
▼
Rate3.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 1.19% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.94% ▲ 0.09 pts · high 3.94% / low 3.85%
3.35%3.89%4.44%Sep 14, 2026: 3.85% APYSep 24, 2026: 3.94% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.94%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3510 W 95th St, Leawood, KS 66206
6 Month Certificate
$1,000
3.85% ▲ 1.10% above Kansas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.10% above avgNationally 2.78%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
6 Month Certificates of Deposit (CDs)
$100
3.84% ▲ 1.09% above Kansas avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 1.09% above avgNationally 2.78%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.84% ▲ 0.09 pts · high 3.84% / low 3.75%
3.25%3.80%4.34%Sep 14, 2026: 3.75% APYSep 24, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20263.84%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
407 Broadway, Marysville, KS 66508
6 Month Share Certificates
$500
3.80% ▲ 1.05% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 1.05% above avgNationally 2.78%
Details

Dividends paid quarterly; Early withdrawal penalties will apply

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1005 S Range Ave, Colby, KS 67701
6-MONTH CD
$500
3.80% ▲ 1.05% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 1.05% above avgNationally 2.78%
Details

Balance: $10,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
6 Month CD
$1,000
3.80% ▲ 1.05% above Kansas avg
View
▼
Rate3.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 1.05% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 6 Months
$25
3.80% ▲ 1.05% above Kansas avg
View
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.75%▲ 1.05% above avgNationally 2.78%
Details

Term Share Accounts; $25 minimum deposit to open share account; dividend earned on balances over $100

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
6 Month Certificate
$0
3.79% ▲ 1.04% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 1.04% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.28% → 3.79% ▲ 0.51 pts · high 3.79% / low 3.28%
2.77%3.54%4.30%Sep 7, 2026: 3.28% APYSep 19, 2026: 3.79% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20263.79%▲ from 3.28%
  • Sep 7, 20263.28%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
6 Month - (BBB) Special Share Certificate
$0
3.75% ▲ 1.00% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 1.00% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7850 College Blvd, Overland Park, KS 66210
6-Month CD
$0
3.75% ▲ 1.00% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7850 College Blvd, Overland Park, KS 66210
6-Month Term
$1,000
3.75% ▲ 1.00% above Kansas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 1.00% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
6 Month Certificate
$1,000
3.70% ▲ 0.95% above Kansas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.95% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.53% → 3.70% ▲ 0.17 pts · high 3.70% / low 3.53%
3.03%3.62%4.20%Sep 7, 2026: 3.53% APYOct 3, 2026: 3.70% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.70%▲ from 3.53%
  • Sep 7, 20263.53%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Premium Certificate of Deposit
$0
3.70% ▲ 0.95% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.95% above avgNationally 2.78%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
6 Month Certificate
$0
3.68% ▲ 0.93% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 7, 2026 · 3.17% → 3.68% ▲ 0.51 pts · high 3.68% / low 3.17%
2.66%3.43%4.19%Sep 7, 2026: 3.17% APYSep 19, 2026: 3.68% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20263.68%▲ from 3.17%
  • Sep 7, 20263.17%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
10111 W 21st St N, Wichita, KS 67205
6-month CD
$0
3.65% ▲ 0.90% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 0.90% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
522 Broadway Ave, Tribune, KS 67879
6 Month Certificate
$1,000
3.65% ▲ 0.90% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
6 Month Certificate of Deposit
$1,000
3.65% ▲ 0.90% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 0.90% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.90% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.90% above avgNationally 2.78%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.90% above Kansas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.90% above avgNationally 2.78%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
200 S Hersey Ave, Beloit, KS 67420
6 Month Share Certificates
$0
3.63% ▲ 0.88% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.75%▲ 0.88% above avgNationally 2.78%
Details

Dividend Paid: Monthly, Quarterly or At Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 6 times
3.13%3.63%4.13%Sep 14, 2026: 3.63% APYSep 14, 2026Oct 13, 2026
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3675 74th St, Meriden, KS 66512
CDs and IRAs (personal) - 6 month
$500
3.60% ▲ 0.85% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 13, 2026
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
823 Main St, Winfield, KS 67156
6-Month CD Special
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
6 Month Business Certificate
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
6 Month IRA Certificate
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
6 Month Share Certificate
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Preferred Certificates of Deposit (CD)
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Unity One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
4150 Kansas Ave, Kansas City, KS 66106
6 Month Certificate
$0
3.60% ▲ 0.85% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.85% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
180 DAY CD SPECIAL
$1,500
3.55% ▲ 0.80% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 13, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
Business 180 DAY CD SPECIAL
$1,500
3.55% ▲ 0.80% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.80% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month Certificate of Deposit
$0
3.55% ▲ 0.80% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.80% above avgNationally 2.78%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
817 Topeka Ave, Lyndon, KS 66451
6 Month Certificate
$2,500
3.53% ▲ 0.78% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.78% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 19, 2026: 3.53% APYSep 19, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.76% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.75%▲ 0.76% above avgNationally 2.78%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
6-Month CD
$0
3.50% ▲ 0.75% above Kansas avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.75%▲ 0.75% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 13, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
6 Month IRA/Share Certificate
$1,000
3.50% ▲ 0.75% above Kansas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 0.75% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
6 Month IRA Certificate
$0
3.50% ▲ 0.75% above Kansas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.75%▲ 0.75% above avgNationally 2.78%
Details

Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 E Cloud Ave, Andover, KS 67002 8952
6 Month Share and IRA Certificates
$0
3.50% ▲ 0.75% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.75%▲ 0.75% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
7721 W 123rd St, Overland Park, KS 66213 1303
6 Month Share Certificate
$500
3.50% ▲ 0.75% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.75%▲ 0.75% above avgNationally 2.78%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026

Kansas 12 Month CD Rates

MonitorBankRates Kansas Average · 12 Month CD3.02% APY▲ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Kansas is 3.02% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.33% above Kansas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
210 Main St, Seneca, KS 66538
12 Month CD Special
$1,000
4.27% ▲ 1.25% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.25% above avgNationally 2.99%
Details

Online Only; Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds; Not available for IRAs

Rate History
No change since Oct 12, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Oct 13, 2026
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
210 Main St, Seneca, KS 66538
CD Special: Online Only - 12 Month Certificate of Deposit
$1,000
4.27% ▲ 1.25% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.25% above avgNationally 2.99%
Details

Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds eligible; Not available for IRAs; Online Only

Rate History
No change since Oct 12, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Oct 13, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
12 Month CD
$1,000
4.25% ▲ 1.23% above Kansas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 19, 2026: 3.95% APYOct 3, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 3.95%
  • Sep 19, 20263.95%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
12 Month IRA CD
$1,000
4.25% ▲ 1.23% above Kansas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 19, 2026: 3.95% APYOct 3, 2026: 4.25% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 3.95%
  • Sep 19, 20263.95%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
12 Month Share Certificate
$500
4.25% ▲ 1.23% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 1.23% above avgNationally 2.99%
Details

$500 minimum to open; Early withdrawal penalty: 90 days dividends

Rate History
1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 14, 2026: 2.53% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 12 Month
$500
4.25% ▲ 1.23% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 1.23% above avgNationally 2.99%
Details

$500 minimum to open Share Certificate; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 22, 2026: 2.53% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 2.53%
  • Sep 22, 20262.53%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
IRA Certificate - 12 month
$500
4.25% ▲ 1.23% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 1.23% above avgNationally 2.99%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 14, 2026: 2.53% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
12-Month Certificate of Deposit
$500
4.20% ▲ 1.18% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
12 Month IRA Certificate
$0
4.20% ▲ 1.18% above Kansas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.02%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
0.00%3.25%6.50%Sep 14, 2026: 1.90% APYSep 21, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.20%▲ from 1.90%
  • Sep 14, 20261.90%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
12 Month Share Certificate
$0
4.20% ▲ 1.18% above Kansas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.02%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
0.00%3.25%6.50%Sep 14, 2026: 1.90% APYSep 21, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.20%▲ from 1.90%
  • Sep 14, 20261.90%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
1 Year Certificate
$0
4.18% ▲ 1.16% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.16% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.18% ▲ 0.22 pts · high 4.18% / low 3.96%
3.46%4.07%4.68%Sep 14, 2026: 3.96% APYOct 8, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.18%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year Certificates of Deposit (CDs)
$100
4.17% ▲ 1.15% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.15% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 14, 2026: 3.97% APYSep 24, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.17%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year IRA Certificate
$100
4.17% ▲ 1.15% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.15% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 14, 2026: 3.97% APYOct 8, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.17%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificate 1 Year Variable Rate
$100
4.17% ▲ 1.15% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.15% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 8, 2026: 4.17% APYOct 8, 2026Oct 13, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
12 Month Certificate of Deposit
$0
4.16% ▲ 1.14% above Kansas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Sep 19, 2026: 4.16% APYSep 19, 2026Oct 13, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
112 N Main St, Hope, KS 67451
IRA Certificate of Deposit - 12-Month Variable
$500
4.11% ▲ 1.09% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.09% above avgNationally 2.99%
Details

Variable rate applies to this term.

Rate History
No change since Oct 8, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 8, 2026: 4.11% APYOct 8, 2026Oct 13, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
702 N Washington St, Junction City, KS 66441
12 Month CD Special
$2,500
4.10% ▲ 1.08% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.08% above avgNationally 2.99%
Details

In select markets only. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year Certificates of Deposit (CDs)
$100
4.07% ▲ 1.05% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.05% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 24, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year IRA Certificate
$100
4.07% ▲ 1.05% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.05% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificate 1 Year Variable Rate
$100
4.07% ▲ 1.05% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 1.05% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
6029 BROADMOOR St, MISSION, KS 66202 9995
1 Year Share Certificates
$1,000
4.06% ▲ 1.04% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 1.04% above avgNationally 2.99%
Details

Compounded daily and credited quarterly; 90 day penalty for early withdrawal before maturity; subject to change daily

Rate History
1 change since Sep 14, 2026 · 2.78% → 4.06% ▲ 1.28 pts · high 4.06% / low 2.78%
1.50%3.42%5.34%Sep 14, 2026: 2.78% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.06%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
1 Year CD or IRA - Jumbo
$500
4.04% ▲ 1.02% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 1.02% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
12 Month Certificate
$0
4.04% ▲ 1.02% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 2.10% → 4.04% ▲ 1.94 pts · high 4.04% / low 2.10%
0.16%3.07%5.98%Sep 7, 2026: 2.10% APYSep 19, 2026: 4.04% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20264.04%▲ from 2.10%
  • Sep 7, 20262.10%first recorded
Community Bank Topeka, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5431 Sw 29th St, Topeka, KS 66614
12 Month Certificate of Deposit
$0
4.01% ▲ 0.99% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 0.99% above avgNationally 2.99%
Details

For a limited time, $1,000 minimum balance required. Penalty for early withdrawal.

Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 3 times
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 13, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
12 Month Certificate
$500
4.01% ▲ 0.99% above Kansas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.02%▲ 0.99% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
117 S Union St, Mc Louth, KS 66054
1 year Certificate of Deposit (CD)
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 7, 2026: 3.80% APYSep 27, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 3.80%
  • Sep 7, 20263.80%first recorded
Dickinson County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
101 S Factory, Enterprise, KS 67441
12 Month Spring CD Special
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
8900 W 135th St, Overland Park, KS 66221
12 Month CD Options
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
12 Month Certificate Special
$100,000
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
12 Month Certificate Special
$10,000
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
12 Month - (AAA) Special Share Certificate
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
12 Month Premium Certificate of Deposit
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7850 College Blvd, Overland Park, KS 66210
1-Year CD
$0
4.00% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
7850 College Blvd, Overland Park, KS 66210
1-Year Term
$1,000
4.00% ▲ 0.98% above Kansas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
306 N Main St, Cheney, KS 67025
12 Month CD
$500
3.98% ▲ 0.96% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.96% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 7, 2026: 3.77% APYOct 3, 2026: 3.98% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.98%▲ from 3.77%
  • Sep 7, 20263.77%first recorded
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
12 Month Certificate
$0
3.94% ▲ 0.92% above Kansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.92% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 2.00% → 3.94% ▲ 1.94 pts · high 3.94% / low 2.00%
0.06%2.97%5.88%Sep 7, 2026: 2.00% APYSep 19, 2026: 3.94% APYSep 7, 2026Oct 13, 2026
  • Sep 19, 20263.94%▲ from 2.00%
  • Sep 7, 20262.00%first recorded
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
7721 W 123rd St, Overland Park, KS 66213 1303
1 Year Share Certificate
$500
3.90% ▲ 0.88% above Kansas avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 0.88% above avgNationally 2.99%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
12 Month Jumbo Certificate
$50,000
3.90% ▲ 0.88% above Kansas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 0.88% above avgNationally 2.99%
Details

$50,000 to open; Rates effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
12 Month Preferred Certificates of Deposit (CD)
$0
3.90% ▲ 0.88% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average3.02%▲ 0.88% above avgNationally 2.99%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
12 Month Certificate
$1,000
3.85% ▲ 0.83% above Kansas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.74% → 3.85% ▲ 0.11 pts · high 3.85% / low 3.74%
3.24%3.80%4.35%Sep 7, 2026: 3.74% APYOct 3, 2026: 3.85% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.74%
  • Sep 7, 20263.74%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
1 Year Certificate
$2,000
3.85% ▲ 0.83% above Kansas avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.83% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 24, 2026: 3.75% APYOct 8, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20263.85%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
11330 E 21st St N, Wichita, KS 67206
12 Month Certificate
$0
3.85% ▲ 0.83% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
817 Topeka Ave, Lyndon, KS 66451
1 Year Certificate
$1,000
3.82% ▲ 0.80% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 19, 2026: 3.82% APYSep 19, 2026Oct 13, 2026
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
407 Broadway, Marysville, KS 66508
12 Month Share Certificates
$500
3.80% ▲ 0.78% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Dividends paid quarterly; Early withdrawal penalties will apply

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
12-Month CD
$0
3.80% ▲ 0.78% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Certificates of Deposit - 1 Year
$1,000
3.80% ▲ 0.78% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Rate History
1 change since Oct 8, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Oct 8, 2026: 3.75% APYOct 12, 2026: 3.80% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.80%▲ from 3.75%
  • Oct 8, 20263.75%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
1 Year IRA Certificate
$0
3.80% ▲ 0.78% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 1 Year
$25
3.80% ▲ 0.78% above Kansas avg
View
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.02%▲ 0.78% above avgNationally 2.99%
Details

Term Share Accounts; $25 minimum deposit to open share account; dividend earned on balances over $100

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026

Kansas 18 Month CD Rates

MonitorBankRates Kansas Average · 18 Month CD2.77% APY▼ 0.01% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Kansas is 2.77% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
18-Month Certificate of Deposit
$500
4.40% ▲ 1.63% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.63% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
309 Oak St, Bonner Springs, KS 66012
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.58% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.35%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
18 Month IRA/Share Certificate
$1,000
4.35% ▲ 1.58% above Kansas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.87%
Details

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 25, 2026: 3.90% APYOct 8, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
  • Oct 8, 20264.35%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month Certificates of Deposit (CDs)
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.87%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month IRA Certificate
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.87%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYOct 8, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificate 18 Months
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.87%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 8, 2026: 4.33% APYOct 8, 2026Oct 13, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
8801 Renner Boulevard Suite 401, Lenexa, KS 66219
18 Month Certificate
$0
4.31% ▲ 1.54% above Kansas avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 8, 2026 · 4.31% APY · checked 6 times
3.81%4.31%4.81%Sep 8, 2026: 4.31% APYSep 8, 2026Oct 13, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
Jumbo 18 Months Special Certificate
$100,000
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.87%
Details

Special; Jumbo

Rate History
No change since Sep 16, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APYSep 16, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month Certificates of Deposit (CDs)
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.87%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month IRA Certificate
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.87%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 8, 2026: 4.23% APYOct 8, 2026Oct 13, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificate 18 Months
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.87%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 8, 2026: 4.23% APYOct 8, 2026Oct 13, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
18 Month Certificate
$0
4.18% ▲ 1.41% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.41% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.18% ▲ 0.38 pts · high 4.18% / low 3.80%
3.30%3.99%4.68%Sep 14, 2026: 3.80% APYOct 8, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.18%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
6201 College Blvd, Overland Park, KS 66211
18-Month Variable Rate IRA
$0
4.17% ▲ 1.40% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.40% above avgNationally 2.87%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
18 Month IRA Certificate
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
0.00%3.11%6.23%Sep 14, 2026: 1.97% APYSep 21, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.10%▲ from 1.97%
  • Sep 14, 20261.97%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
18 Month Share Certificate
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
0.00%3.11%6.23%Sep 14, 2026: 1.97% APYSep 21, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.10%▲ from 1.97%
  • Sep 14, 20261.97%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
18 Month CD or IRA - Jumbo
$500
4.04% ▲ 1.27% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.27% above avgNationally 2.87%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
8900 W 135th St, Overland Park, KS 66221
18 Month CD Options
$0
4.01% ▲ 1.24% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 19, 2026: 4.01% APYSep 19, 2026Oct 13, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
18 Month Certificate
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.79% → 4.00% ▲ 0.21 pts · high 4.00% / low 3.79%
3.29%3.90%4.50%Sep 7, 2026: 3.79% APYOct 3, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.79%
  • Sep 7, 20263.79%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
18 Month Variable IRA
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Variable rate

Rate History
1 change since Sep 7, 2026 · 3.79% → 4.00% ▲ 0.21 pts · high 4.00% / low 3.79%
3.29%3.90%4.50%Sep 7, 2026: 3.79% APYOct 3, 2026: 4.00% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.79%
  • Sep 7, 20263.79%first recorded
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
18 Months Special Certificate
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Special

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Premium Certificate of Deposit
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.87%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
18 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 20, 20263.85%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
18 Month Premier CD
$25,000
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
300 N Main St, Kingman, KS 67068
18 Month CD
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
6860 W 115th St, Overland Park, KS 66211 2457
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
18 Month CD or IRA
$500
3.79% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 18 Month CD or IRA
$500
3.79% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 1.02% above avgNationally 2.87%
Details

Jumbo1: 4.00% Interest Rate, 4.04% APY

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
320 Kansas Ave, Fort Leavenworth, KS 66027
18 Month Certificate of Deposit
$500
3.75% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.93% above Kansas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.93% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.87%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
18 Month Certificate of Deposit
$500
3.69% ▲ 0.92% above Kansas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
2.57%3.41%4.25%Sep 7, 2026: 3.13% APYSep 27, 2026: 3.69% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.69%▲ from 3.13%
  • Sep 7, 20263.13%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
18 Month IRA
$500
3.69% ▲ 0.92% above Kansas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.87%
Details

Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
2.57%3.41%4.25%Sep 7, 2026: 3.13% APYSep 27, 2026: 3.69% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.69%▲ from 3.13%
  • Sep 7, 20263.13%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
18 Month CD
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
IRA - 18 Month CD
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
18 Month Classic CD
$500
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.87%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
18 Month Certificate of Deposit
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
18 Month Individual Retirement Account CD
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
18 Month IRA Certificate of Deposit
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 7, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
7721 W 123rd St, Overland Park, KS 66213 1303
1.5 Year Share Certificate
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
200 S Hersey Ave, Beloit, KS 67420
18 Month Share Certificates
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Dividend Paid: Monthly, Quarterly, Semiannually or at Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.87%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
18 Month Certificate
$0
3.56% ▲ 0.79% above Kansas avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.79% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month Certificate of Deposit
$0
3.55% ▲ 0.78% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.78% above avgNationally 2.87%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 E Cloud Ave, Andover, KS 67002 8952
18 Month Share and IRA Certificates
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 18 Month
$2,000
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.87%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
18 Month Business Certificate
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
18 Month IRA Certificate
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded

Kansas 24 Month CD Rates

MonitorBankRates Kansas Average · 24 Month CD2.78% APY▼ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Kansas is 2.78% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year Certificates of Deposit (CDs)
$100
4.49% ▲ 1.71% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
3.68%4.34%4.99%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year IRA Certificate
$100
4.49% ▲ 1.71% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.71% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
3.68%4.34%4.99%Sep 14, 2026: 4.18% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year Certificates of Deposit (CDs)
$100
4.39% ▲ 1.61% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.61% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
3.58%4.23%4.89%Sep 14, 2026: 4.08% APYSep 24, 2026: 4.39% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.39%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year IRA Certificate
$100
4.39% ▲ 1.61% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.61% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 13, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
24 Month Certificate of Deposit
$0
4.27% ▲ 1.49% above Kansas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.27% APY · checked 2 times
3.77%4.27%4.77%Sep 19, 2026: 4.27% APYSep 19, 2026Oct 13, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
2 Year Certificate
$0
4.27% ▲ 1.49% above Kansas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.49% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.27% ▲ 0.44 pts · high 4.27% / low 3.83%
3.33%4.05%4.77%Sep 14, 2026: 3.83% APYOct 8, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.27%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
2 Year IRA Certificate
$0
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.88%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
24 Month Share Certificate
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.88%
Details

$500 minimum to open; Early withdrawal penalty: 180 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
1.83%3.65%5.46%Sep 14, 2026: 3.04% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 24 Month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.88%
Details

$500 minimum to open Share Certificate; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
1.83%3.65%5.46%Sep 22, 2026: 3.04% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.04%
  • Sep 22, 20263.04%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
IRA Certificate - 24 month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.88%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
1.83%3.65%5.46%Sep 14, 2026: 3.04% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.42% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.42% above avgNationally 2.88%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.33% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
702 N Washington St, Junction City, KS 66441
24 Month CD Special
$2,500
4.10% ▲ 1.32% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.88%
Details

In select markets only. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
117 S Union St, Mc Louth, KS 66054
2 year Certificate of Deposit (CD)
$0
4.10% ▲ 1.32% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.35% → 4.10% ▲ 0.75 pts · high 4.10% / low 3.35%
2.60%3.73%4.85%Sep 7, 2026: 3.35% APYSep 27, 2026: 4.10% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.35%
  • Sep 7, 20263.35%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
24 Month IRA Certificate
$0
4.10% ▲ 1.32% above Kansas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
24 Month Share Certificate
$0
4.10% ▲ 1.32% above Kansas avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
24 Month Business Certificate
$0
4.09% ▲ 1.31% above Kansas avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.09% ▲ 0.64 pts · high 4.09% / low 3.45%
2.81%3.77%4.73%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.09% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.09%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
2 Year Certificate
$1,000
4.05% ▲ 1.27% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 0.50% → 4.05% ▲ 3.55 pts · high 4.05% / low 0.50%
0.00%3.80%7.60%Sep 7, 2026: 0.50% APYOct 3, 2026: 4.05% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.05%▲ from 0.50%
  • Sep 7, 20260.50%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
2 Year Fixed IRA
$1,000
4.05% ▲ 1.27% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 0.50% → 4.05% ▲ 3.55 pts · high 4.05% / low 0.50%
0.00%3.80%7.60%Sep 7, 2026: 0.50% APYOct 3, 2026: 4.05% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20264.05%▲ from 0.50%
  • Sep 7, 20260.50%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
24 Month CD or IRA - Jumbo
$500
4.04% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.26% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
24-Month CD
$0
4.01% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 13, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
2 Year Certificate
$2,000
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
24 Month Certificate
$500
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
24 Month IRA Certificate
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.20% → 4.00% ▲ 1.80 pts · high 4.00% / low 2.20%
0.40%3.10%5.80%Sep 14, 2026: 2.20% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
24 Month Share Certificate
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.20% → 4.00% ▲ 1.80 pts · high 4.00% / low 2.20%
0.40%3.10%5.80%Sep 14, 2026: 2.20% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.88%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
24 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.07% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 20, 20263.85%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
24 Month CD or IRA
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 24 Month CD or IRA
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.88%
Details

Jumbo1: 4.00% Interest Rate, 4.04% APY

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
2 Year Certificate of Deposit
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.03% → 3.79% ▲ 0.76 pts · high 3.79% / low 3.03%
2.27%3.41%4.55%Sep 7, 2026: 3.03% APYSep 27, 2026: 3.79% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.79%▲ from 3.03%
  • Sep 7, 20263.03%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
2 Year IRA
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.03% → 3.79% ▲ 0.76 pts · high 3.79% / low 3.03%
2.27%3.41%4.55%Sep 7, 2026: 3.03% APYSep 27, 2026: 3.79% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.79%▲ from 3.03%
  • Sep 7, 20263.03%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
11330 E 21st St N, Wichita, KS 67206
24 Month Certificate
$0
3.75% ▲ 0.97% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 24 Month
$2,000
3.75% ▲ 0.97% above Kansas avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.97% above avgNationally 2.88%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
24 Month CD
$1,000
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
24 Month Certificate
$0
3.64% ▲ 0.86% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
24 Month Certificate of Deposit
$500
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
24 Month Individual Retirement Account CD
$500
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
1901 Central Ave, Kansas City, KS 66102
24 Month IRA Certificate of Deposit
$500
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
2 Year IRA/Share Certificate
$1,000
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
2 Year Premier CD
$25,000
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.54%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
2.90%3.50%4.10%Sep 18, 2026: 3.40% APYOct 9, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.60%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month Certificate of Deposit (Jumbo)
$0
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month IRA Certificate of Deposit
$1,000
3.60% ▲ 0.82% above Kansas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.82% above avgNationally 2.88%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
24 Month Share Certificates
$0
3.56% ▲ 0.78% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.78% above avgNationally 2.88%
Details

Balance: $50,000+; Jumbo rate

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Certificates of Deposit - 2 Years
$1,000
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
24-Month Certificate of Deposit
$500
3.51% ▲ 0.73% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.73% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 18, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
3675 74th St, Meriden, KS 66512
CDs and IRAs (personal) - 2 year
$500
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.88%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
24 Month CD
$500
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.88%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Individual Retirement Account - 2 Years
$1,000
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.88%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
24 Months Certificate
$1,000
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 13, 2026

Kansas 36 Month CD Rates

MonitorBankRates Kansas Average · 36 Month CD2.78% APY▲ 0.02% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Kansas is 2.78% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year Certificates of Deposit (CDs)
$100
4.73% ▲ 1.95% above Kansas avg
View
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.95% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
3.87%4.55%5.23%Sep 14, 2026: 4.37% APYSep 24, 2026: 4.73% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year IRA Certificate
$100
4.73% ▲ 1.95% above Kansas avg
View
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.95% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
3.87%4.55%5.23%Sep 14, 2026: 4.37% APYOct 8, 2026: 4.73% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year Certificates of Deposit (CDs)
$100
4.63% ▲ 1.85% above Kansas avg
View
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.85% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 14, 2026: 4.27% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.63%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year IRA Certificate
$100
4.63% ▲ 1.85% above Kansas avg
View
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.85% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.63% APY · checked 2 times
4.13%4.63%5.13%Oct 8, 2026: 4.63% APYOct 8, 2026Oct 13, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
36 Month Certificate of Deposit
$0
4.37% ▲ 1.59% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.59% above avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 13, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
36 Month Certificate
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 36 Month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

$500 minimum to open Share Certificate; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 22, 2026: 3.45% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
IRA Certificate - 36 month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 14, 2026: 3.45% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Premium Certificate of Deposit
$0
4.20% ▲ 1.42% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.42% above avgNationally 2.81%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.37% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
36-Month CD
$0
4.15% ▲ 1.37% above Kansas avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Preferred Certificates of Deposit (CD)
$0
4.11% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.33% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.32% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
3 Year Certificate
$2,000
4.10% ▲ 1.32% above Kansas avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 8, 2026: 4.10% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
3 Year Certificate
$0
4.06% ▲ 1.28% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.28% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
36 Month CD or IRA - Jumbo
$500
4.04% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.26% above avgNationally 2.81%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
3 Year Certificate of Deposit
$500
4.04% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 7, 2026: 2.62% APYSep 27, 2026: 4.04% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.04%▲ from 2.62%
  • Sep 7, 20262.62%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
145 E Main St, Coldwater, KS 67029
3 Year IRA
$500
4.04% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 7, 2026: 2.62% APYSep 27, 2026: 4.04% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20264.04%▲ from 2.62%
  • Sep 7, 20262.62%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3 Year Certificate Special
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
702 N Washington St, Junction City, KS 66441
36 Month CD Special
$2,500
3.90% ▲ 1.12% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

In select markets only. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 13, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
3 Year IRA Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 13, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
36 Month IRA Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
0.60%3.08%5.55%Sep 14, 2026: 2.25% APYSep 21, 2026: 3.84% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.84%
  • Sep 21, 20263.84%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
36 Month Share Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
0.60%3.08%5.55%Sep 14, 2026: 2.25% APYSep 21, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.90%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
36 Month Business Certificate
$0
3.85% ▲ 1.07% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
36 Month IRA Certificate
$0
3.85% ▲ 1.07% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
36 Month Share Certificate
$0
3.85% ▲ 1.07% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
3 Year Certificate
$1,000
3.80% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 0.45% → 3.80% ▲ 3.35 pts · high 3.80% / low 0.45%
0.00%3.57%7.15%Sep 7, 2026: 0.45% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 0.45%
  • Sep 7, 20260.45%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
3 Year Fixed IRA
$1,000
3.80% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.02% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 0.45% → 3.80% ▲ 3.35 pts · high 3.80% / low 0.45%
0.00%3.57%7.15%Sep 7, 2026: 0.45% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.80%▲ from 0.45%
  • Sep 7, 20260.45%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
36 Month CD or IRA
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 36 Month CD or IRA
$500
3.79% ▲ 1.01% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 1.01% above avgNationally 2.81%
Details

Jumbo1: 4.00% Interest Rate, 4.04% APY

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
36 Month Share Certificates
$0
3.76% ▲ 0.98% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.98% above avgNationally 2.81%
Details

Balance: $50,000+; Jumbo rate

Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 9 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
11330 E 21st St N, Wichita, KS 67206
36 Month Certificate
$0
3.75% ▲ 0.97% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 36 Month
$2,000
3.70% ▲ 0.92% above Kansas avg
View
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.92% above avgNationally 2.81%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
36 Month Certificate of Deposit
$100,000
3.65% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
36 Month IRA Certificate
$100,000
3.65% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
36 Month CD
$1,000
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
36 Month CD
$500
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
36 Month Companion CD Accounts
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month Certificate of Deposit (Jumbo)
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month IRA Certificate of Deposit
$1,000
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
36 Month Certificate
$0
3.64% ▲ 0.86% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 13, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
112 N Main St, Hope, KS 67451
IRA Certificate of Deposit - 36-Month Fixed Rate
$500
3.56% ▲ 0.78% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 13, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
3 Year IRA Certificate
$50
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Certificates of Deposit - 3 Years
$1,000
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month Certificate of Deposit
$0
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
36-Month Certificate of Deposit
$500
3.51% ▲ 0.73% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
36 Month Share Certificates
$0
3.51% ▲ 0.73% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.78%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 9 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
36 Month Certificate of Deposit
$1,000
3.50% ▲ 0.72% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
36 Month IRA Certificate
$1,000
3.50% ▲ 0.72% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Rate History
1 change since Oct 2, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Oct 2, 2026: 3.25% APYOct 7, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.25%
  • Oct 2, 20263.25%first recorded

Kansas 48 Month CD Rates

MonitorBankRates Kansas Average · 48 Month CD2.71% APY▼ 0.02% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Kansas is 2.71% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.74% ▲ 2.03% above Kansas avg
View
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 2.03% above avgNationally 2.80%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
3.92%4.58%5.24%Sep 14, 2026: 4.42% APYSep 24, 2026: 4.74% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year IRA Certificate
$100
4.74% ▲ 2.03% above Kansas avg
View
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 2.03% above avgNationally 2.80%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
3.92%4.58%5.24%Sep 14, 2026: 4.42% APYOct 8, 2026: 4.74% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year Certificates of Deposit (CDs)
$100
4.64% ▲ 1.93% above Kansas avg
View
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.93% above avgNationally 2.80%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.64% ▲ 0.32 pts · high 4.64% / low 4.32%
3.82%4.48%5.14%Sep 14, 2026: 4.32% APYSep 24, 2026: 4.64% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.64%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year IRA Certificate
$100
4.64% ▲ 1.93% above Kansas avg
View
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.93% above avgNationally 2.80%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.64% APY · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APYOct 8, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business IRA/HSA Certificate
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 6, 2026: 4.55% APYOct 6, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month IRA/HSA Certificate
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

Rate History
1 change since Sep 30, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Sep 30, 2026: 4.50% APYOct 6, 2026: 4.55% APYSep 30, 2026Oct 13, 2026
  • Oct 6, 20264.55%▲ from 4.50%
  • Sep 30, 20264.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
and up - 48 months
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 6, 2026: 4.55% APYOct 6, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business IRA/HSA Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month IRA/HSA Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 13, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
48 Month Certificate of Deposit
$0
4.37% ▲ 1.66% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 13, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
48 Month Certificate
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
48 Month Share Certificate
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

$500 minimum to open; Early withdrawal penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
2.87%3.91%4.94%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 48 Month
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

$500 minimum to open Share Certificate; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
2.87%3.91%4.94%Sep 22, 2026: 3.56% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.56%
  • Sep 22, 20263.56%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
IRA Certificate - 48 month
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
2.87%3.91%4.94%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
4 Year Certificate
$0
4.06% ▲ 1.35% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA - Jumbo
$500
4.04% ▲ 1.33% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.33% above avgNationally 2.80%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3730 W 13th St N, Wichita, KS 67203 4402
4 Year IRA Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
48 Month IRA Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
0.70%3.18%5.65%Sep 14, 2026: 2.35% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.00%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
4960 E 21st St N, Wichita, KS 67208
48 Month Share Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
0.70%3.18%5.65%Sep 14, 2026: 2.35% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20264.00%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
48 Month Business Certificate
$0
3.95% ▲ 1.24% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
48 Month IRA Certificate
$0
3.95% ▲ 1.24% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
48 Month Share Certificate
$0
3.95% ▲ 1.24% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month IRA Certificate
$100,000
3.90% ▲ 1.19% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.19% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Premium Certificate of Deposit
$0
3.90% ▲ 1.19% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.19% above avgNationally 2.80%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
48 Month Share Certificates
$0
3.82% ▲ 1.11% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 1.11% above avgNationally 2.80%
Details

Balance: $50,000+; Jumbo rate

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA
$500
3.79% ▲ 1.08% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 48 Month CD or IRA
$500
3.79% ▲ 1.08% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.80%
Details

Jumbo1: 4.00% Interest Rate, 4.04% APY

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month IRA Certificate
$1,000
3.75% ▲ 1.04% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Oct 2, 2026: 3.50% APYOct 7, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Oct 2, 20263.50%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
11330 E 21st St N, Wichita, KS 67206
48 Month Certificate
$0
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
48 Month CD
$500
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.80%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Preferred Certificates of Deposit (CD)
$0
3.70% ▲ 0.99% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.80%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month Certificate of Deposit
$100,000
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month IRA Certificate
$100,000
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
48 Month CD
$1,000
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
48-Month CD
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.80%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
48 Month Share Certificates
$0
3.56% ▲ 0.85% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 0.85% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
48 Month Jump Rate
$500
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Certificates of Deposit - 4 Years
$1,000
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month Certificate of Deposit (Jumbo)
$0
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month IRA Certificate of Deposit
$1,000
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
4 Year Certificate
$1,000
3.54% ▲ 0.83% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.83% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 0.60% → 3.54% ▲ 2.94 pts · high 3.54% / low 0.60%
0.00%3.24%6.48%Sep 7, 2026: 0.60% APYOct 3, 2026: 3.54% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.54%▲ from 0.60%
  • Sep 7, 20260.60%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
4 Year Fixed IRA
$1,000
3.54% ▲ 0.83% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.83% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 0.60% → 3.54% ▲ 2.94 pts · high 3.54% / low 0.60%
0.00%3.24%6.48%Sep 7, 2026: 0.60% APYOct 3, 2026: 3.54% APYSep 7, 2026Oct 13, 2026
  • Oct 3, 20263.54%▲ from 0.60%
  • Sep 7, 20260.60%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
48-Month Certificate of Deposit
$500
3.51% ▲ 0.80% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.80% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month Certificate of Deposit
$1,000
3.50% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
48 Month IRA Certificate
$1,000
3.50% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 13, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
117 S Union St, Mc Louth, KS 66054
4 year Certificate of Deposit (CD)
$0
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Rate History
1 change since Sep 7, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 7, 2026: 3.00% APYSep 27, 2026: 3.50% APYSep 7, 2026Oct 13, 2026
  • Sep 27, 20263.50%▲ from 3.00%
  • Sep 7, 20263.00%first recorded
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Individual Retirement Account - 4 Years
$1,000
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026

Kansas 60 Month CD Rates

MonitorBankRates Kansas Average · 60 Month CD2.87% APY▲ 0.04% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Kansas is 2.87% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year Certificates of Deposit (CDs)
$1,000
4.79% ▲ 1.92% above Kansas avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.92% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
3.98%4.64%5.29%Sep 14, 2026: 4.48% APYSep 24, 2026: 4.79% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year IRA Certificate
$1,000
4.79% ▲ 1.92% above Kansas avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.92% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
3.98%4.64%5.29%Sep 14, 2026: 4.48% APYOct 8, 2026: 4.79% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year Certificates of Deposit (CDs)
$1,000
4.69% ▲ 1.82% above Kansas avg
View
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.82% above avgNationally 2.90%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.38% → 4.69% ▲ 0.31 pts · high 4.69% / low 4.38%
3.88%4.54%5.19%Sep 14, 2026: 4.38% APYSep 24, 2026: 4.69% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.69%▲ from 4.38%
  • Sep 14, 20264.38%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year IRA Certificate
$1,000
4.69% ▲ 1.82% above Kansas avg
View
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.82% above avgNationally 2.90%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.69% APY · checked 2 times
4.19%4.69%5.19%Oct 8, 2026: 4.69% APYOct 8, 2026Oct 13, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Month Certificate
$1,000
4.50% ▲ 1.63% above Kansas avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.87%▲ 1.63% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
719 Wisconsin St, Cawker City, KS 67430
60 Month Certificate of Deposit
$0
4.37% ▲ 1.50% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.50% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 4.37% APY · checked 2 times
3.87%4.37%4.87%Sep 19, 2026: 4.37% APYSep 19, 2026Oct 13, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
60 Month Share Certificate
$500
4.25% ▲ 1.38% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.90%
Details

$500 minimum to open; Early withdrawal penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
Business Certificates - 60 Month
$500
4.25% ▲ 1.38% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.90%
Details

$500 minimum to open Share Certificate; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 22, 2026: 3.66% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.66%
  • Sep 22, 20263.66%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 SW 10th Ave, Topeka, KS 66612
IRA Certificate - 60 month
$500
4.25% ▲ 1.38% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.90%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
502 N Merchant St, Belle Plaine, KS 67013
60 Month CD
$500
4.22% ▲ 1.35% above Kansas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.35% above avgNationally 2.90%
Details

Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 6 times
3.72%4.22%4.72%Sep 19, 2026: 4.22% APYSep 19, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month Certificate of Deposit
$100,000
4.15% ▲ 1.28% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.28% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month IRA Certificate
$100,000
4.15% ▲ 1.28% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.28% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Oct 2, 2026: 4.00% APYOct 7, 2026: 4.15% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 4.00%
  • Oct 2, 20264.00%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
5 Year Certificate
$0
4.06% ▲ 1.19% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.19% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
60 Month CD or IRA - Jumbo
$500
4.04% ▲ 1.17% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.17% above avgNationally 2.90%
Details

Jumbo

Rate History
No change since Sep 24, 2026 · 4.04% APY · checked 5 times
3.54%4.04%4.54%Sep 24, 2026: 4.04% APYSep 24, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month Certificate of Deposit
$1,000
4.00% ▲ 1.13% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month IRA Certificate
$1,000
4.00% ▲ 1.13% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 2, 2026: 3.75% APYOct 7, 2026: 4.00% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Oct 2, 20263.75%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
5 Year Certificate
$2,000
4.00% ▲ 1.13% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.90%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
60 Month Business Certificate
$0
3.95% ▲ 1.08% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
60 Month IRA Certificate
$0
3.95% ▲ 1.08% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union 9777 Ridge Dr, Lenexa, KS 66219
60 Month Share Certificate
$0
3.95% ▲ 1.08% above Kansas avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 1.03% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month Certificate of Deposit
$100,000
3.90% ▲ 1.03% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month IRA Certificate
$100,000
3.90% ▲ 1.03% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 13, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
60 Month Share Certificates
$0
3.87% ▲ 1.00% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 1.00% above avgNationally 2.90%
Details

Balance: $50,000+; Jumbo rate

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 9 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
501 3rd Pl, Manhattan, KS 66502 6155
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
60 Month CD
$500
3.85% ▲ 0.98% above Kansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.90%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
60 Month CD or IRA
$500
3.79% ▲ 0.92% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.79% APY · checked 5 times
3.29%3.79%4.29%Sep 24, 2026: 3.79% APYSep 24, 2026Oct 13, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 60 Month CD or IRA
$500
3.79% ▲ 0.92% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 0.92% above avgNationally 2.90%
Details

Jumbo1: 4.00% Interest Rate, 4.04% APY

Rate History
No change since Sep 19, 2026 · 3.79% APY · checked 6 times
3.29%3.79%4.29%Sep 19, 2026: 3.79% APYSep 19, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month Certificate of Deposit
$1,000
3.75% ▲ 0.88% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
17000 W 119th St, Olathe, KS 66061
60 Month IRA Certificate
$1,000
3.75% ▲ 0.88% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 13, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
11330 E 21st St N, Wichita, KS 67206
60 Month Certificate
$0
3.75% ▲ 0.88% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
60 Month Companion CD Accounts
$0
3.70% ▲ 0.83% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.90%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Premium Certificate of Deposit
$0
3.70% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.90%
Details

Balance: $75,000+

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
60 Month CD
$1,000
3.65% ▲ 0.78% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.87%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 13, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
60 Month Jump Rate
$500
3.65% ▲ 0.78% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.78% above avgNationally 2.90%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
1010 SW Tyler St, Topeka, KS 66612 1720
60 Month Share Certificates
$0
3.61% ▲ 0.74% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 0.74% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.61% APY · checked 9 times
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 14, 2026Oct 13, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
711 Minnesota Ave, Kansas City, KS 66101
60-Month CD
$0
3.60% ▲ 0.73% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.87%▲ 0.73% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 13, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Preferred Certificates of Deposit (CD)
$0
3.60% ▲ 0.73% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 0.73% above avgNationally 2.90%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
5 Year IRA Certificate
$50
3.55% ▲ 0.68% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Certificates of Deposit - 5 Years
$1,000
3.55% ▲ 0.68% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.90%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 13, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.55% ▲ 0.68% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.90%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1300 E 5th Ave, Winfield, KS 67156 2407
Share Certificates - 60 Month CD
$0
3.55% ▲ 0.68% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.90%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
10000 College Blvd, Overland Park, KS 66210
60-Month Certificate of Deposit
$500
3.51% ▲ 0.64% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Kansas Average2.87%▲ 0.64% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.64% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Kansas Average2.87%▲ 0.64% above avgNationally 2.90%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 5 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
Individual Retirement Account - 5 Years
$1,000
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6280 W 135th St, Overland Park, KS 66223
60 Month IRA Certificate
$0
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6280 W 135th St, Overland Park, KS 66223
60 Month Share Certificates
$0
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
60 Month Certificate
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
610 E Cloud Ave, Andover, KS 67002 8952
60 Month Share and IRA Certificates
$0
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
7721 W 123rd St, Overland Park, KS 66213 1303
5 Year Share Certificate
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.90%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Kansas Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Grant County Bank
5 Year Certificates of Deposit (CDs)
A 5.0 ★ TX: 10.01%
Min: $1,000
4.79%
TriCentury Bank
60 Month Certificate
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.50%
Academy Bank
18-Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
Farmers and Merchants Bank Milligan, NE
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 0.64%
Min: $0
4.37%
Union Bank and Trust Company
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.09%
Min: $1,000
4.35%
CU Top 5 Credit Union Rates
Topeka Police Credit Union
Kid's Certificate 6 Month
A+ 5.0 ★ TX: 0.27%
Min: $0
5.00%
Heartland Credit Union Hutchinson, KS
48 Month Business IRA/HSA Certificate
A 5.0 ★ TX: 9.12%
Min: $0
4.55%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Communication Federal Credit Union
18 Month IRA/Share Certificate
A 5.0 ★ TX: 6.32%
Min: $1,000
4.35%
Emporia State Federal Credit Union
Jumbo 18 Months Special Certificate
A+ 5.0 ★ TX: 2.84%
Min: $100,000
4.25%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Kansas CD Rate Trends

Compare local Kansas CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Kansas CD Trends
12-Month CD KS Avg
3.017%
▲ 0.005 vs 7 days ago

Kansas 12-month CD rates rose 0.005 points over the past 7 days to 3.017% APY.

6-Month CD KS Avg
2.750%
▼ 0.012 vs 7 days ago

Kansas 6-month CD rates fell 0.012 points over the past 7 days to 2.750% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

KS CD Rate Forecast, Next 12 Months

Where are Kansas CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

KS 12-Month Avg APY
3.017%
6-Month Forecast
3.017%
Range: 2.82%, 3.17%
12-Month Forecast
3.267%
Range: 3.07%, 3.42%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Kansas average 12-month CD APY in our database.

Spread model: The Kansas 12-month CD average currently trades 1.36% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at KS CD Rates Today

Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.

CD Term KS Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.975% $98.77 $197.54 $493.85 $987.70
6-Month CD 2.750% $137.48 $274.97 $687.43 $1,374.85
12-Month CD 3.017% $150.83 $301.66 $754.15 $1,508.30
18-Month CD 2.769% $138.46 $276.91 $692.28 $1,384.55
24-Month CD 2.781% $139.06 $278.11 $695.28 $1,390.55
36-Month CD 2.780% $138.98 $277.96 $694.90 $1,389.80
48-Month CD 2.708% $135.41 $270.82 $677.05 $1,354.10
60-Month CD 2.875% $143.74 $287.48 $718.70 $1,437.40
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Kansas Savers

$25,000 split equally across 5 terms using today’s Kansas average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit KS Avg APY Annual Earnings
1 3-Month CD $5,000 1.975% $98.77
2 6-Month CD $5,000 2.750% $137.48
3 12-Month CD $5,000 3.017% $150.83
4 24-Month CD $5,000 2.781% $139.06
5 36-Month CD $5,000 2.780% $138.98
Total ($25,000 invested) $25,000 2.660% blended $665.12/yr

Ladder example uses equal $5,000 rungs and Kansas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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1,243
CD Rates
Tracked in Kansas
76 Banks 45 Credit Unions

About Our Kansas CD Rate Database

MonitorBankRates tracks 1,243 CD rates from 76 banks and 45 credit unions with locations in Kansas, plus national online institutions available to Kansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Topeka Police Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kansas.

How to Find the Best CD Rates in Kansas

What to compare when shopping for a CD in Kansas

To find the best APYs in Kansas, start with credit unions and online-only banks: Kansas has 45 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Kansas

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Kansas: 121 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Kansas savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare Kansas money market rates

Kansas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,089
National avg: $47,340
Poverty Rate
11.3%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$130/yr
At KS 12-mo avg 3.017% APY

17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 3.017%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $130 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Kansas

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Kansas

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Kansas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Kansas as everywhere in the U.S.

Choosing a CD Term in Kansas

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kansas savers easier access to their funds. For example, Topeka Police Credit Union is offering its Kid's Certificate 6 Month at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Grant County Bank is offering its 5 Year Certificates of Deposit (CDs) at 4.79% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Kansas Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Kansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Kansas

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Kansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Kansas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Kansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Kansas

Are CD rates in Kansas FDIC insured?

Yes, most established banks in Kansas are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Kansas?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Kansas.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Kansas may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Kansas?

Here are recent top rates found for this area:
  • Topeka Police Credit Union: 5.00% APY (Kid's Certificate 6 Month)
  • Grant County Bank: 4.79% APY (5 Year Certificates of Deposit (CDs))
  • Heartland Credit Union Hutchinson, KS: 4.55% APY (48 Month Business IRA/HSA Certificate)
  • TriCentury Bank: 4.50% APY (60 Month Certificate)
  • Academy Bank: 4.40% APY (18-Month Certificate of Deposit)
  • Farmers and Merchants Bank Milligan, NE: 4.37% APY (36 Month Certificate of Deposit)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Union Bank and Trust Company: 4.35% APY (18 Month Certificate of Deposit)
  • Communication Federal Credit Union: 4.35% APY (18 Month IRA/Share Certificate)
  • Omb Bank: 4.31% APY (18 Month Certificate)
Rates reflect recent verified offers available in Kansas. Last Updated: October 13, 2026

Kansas CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Kansas CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Kansas. Averages shown use the Kansas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Kansas

Kansas CD Calculator

At today’s KS top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Kansas CD Ladder

KS CD rates currently range from 1.975% (3-month) to 2.780% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kansas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Kansas’s average 12-month CD is 3.017% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kansas CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Kansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KS.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

Kansas Rates & Resources

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Kansas Car Insurance

Cities in Kansas

  • Abbyville
  • Abilene
  • Admire
  • Agenda
  • Agra
  • Albert
  • Alden
  • Alexander
  • Allen
  • Alma
  • Almena
  • Alta Vista
  • Altamont
  • Alton
  • Altoona
  • Americus
  • Andale
  • Andover
  • Anthony
  • Arcadia
  • Argonia
  • Arkansas City
  • Arlington
  • Arma
  • Arnold
  • Ashland
  • Assaria
  • Atchison
  • Athol
  • Atlanta
  • Attica
  • Atwood
  • Auburn
  • Augusta
  • Aurora
  • Axtell
  • Baileyville
  • Baldwin City
  • Barnard
  • Barnes
  • Bartlett
  • Basehor
  • Bassett
  • Baxter Springs
  • Bazine
  • Beattie
  • Beaumont
  • Beeler
  • Bel Aire
  • Belle Plaine
  • Belleville
  • Beloit
  • Belpre
  • Belvue
  • Bendena
  • Benedict
  • Bennington
  • Bentley
  • Benton
  • Bern
  • Berryton
  • Beverly
  • Bird City
  • Bison
  • Bloom
  • Blue Mound
  • Blue Rapids
  • Bluff City
  • Bogue
  • Bonner Springs
  • Bremen
  • Brewster
  • Bronson
  • Brookville
  • Brownell
  • Bucklin
  • Bucyrus
  • Buffalo
  • Buhler
  • Bunker Hill
  • Burden
  • Burdett
  • Burdick
  • Burlingame
  • Burlington
  • Burns
  • Burr Oak
  • Burrton
  • Bushong
  • Bushton
  • Byers
  • Caldwell
  • Cambridge
  • Caney
  • Canton
  • Carbondale
  • Carlton
  • Cassoday
  • Catharine
  • Cawker City
  • Cedar
  • Cedar Point
  • Cedar Vale
  • Centerville
  • Centralia
  • Chanute
  • Chapman
  • Chase
  • Chautauqua
  • Cheney
  • Cherokee
  • Cherryvale
  • Chetopa
  • Cimarron
  • Circleville
  • Claflin
  • Clay Center
  • Clayton
  • Clearview City
  • Clearwater
  • Clifton
  • Climax
  • Clyde
  • Coats
  • Coffeyville
  • Colby
  • Coldwater
  • Colfax
  • Collyer
  • Colony
  • Columbus
  • Colwich
  • Concordia
  • Conway Springs
  • Coolidge
  • Copeland
  • Corning
  • Cottonwood Falls
  • Council Grove
  • Courtland
  • Coyville
  • Crestline
  • Cuba
  • Cullison
  • Culver
  • Cummings
  • Cunningham
  • Damar
  • Danville
  • De Soto
  • Dearing
  • Deerfield
  • Delia
  • Delphos
  • Denison
  • Dennis
  • Denton
  • Derby
  • Dexter
  • Dighton
  • Dodge City
  • Dorrance
  • Douglass
  • Dover
  • Downs
  • Dresden
  • Dunlap
  • Durham
  • Dwight
  • Earlton
  • Eastborough
  • Easton
  • Edgerton
  • Edmond
  • Edna
  • Edson
  • Edwardsville
  • Effingham
  • El Dorado
  • Elbing
  • Elgin
  • Elk City
  • Elk Falls
  • Elkhart
  • Ellinwood
  • Ellis
  • Ellsworth
  • Elmdale
  • Elsmore
  • Elwood
  • Emmett
  • Emporia
  • Englewood
  • Ensign
  • Enterprise
  • Erie
  • Esbon
  • Eskridge
  • Eudora
  • Eureka
  • Everest
  • Fairview
  • Fairway
  • Fall River
  • Falun
  • Farlington
  • Florence
  • Fontana
  • Ford
  • Formoso
  • Fort Leavenworth
  • Fort Riley
  • Fort Scott
  • Fostoria
  • Fowler
  • Frankfort
  • Franklin
  • Frederick
  • Fredonia
  • Freeport
  • Frontenac
  • Fulton
  • Galatia
  • Galena
  • Galesburg
  • Galva
  • Garden City
  • Garden Plain
  • Gardner
  • Garfield
  • Garnett
  • Gas
  • Gaylord
  • Gem
  • Geneseo
  • Geuda Springs
  • Girard
  • Glade
  • Glasco
  • Glen Elder
  • Goddard
  • Goessel
  • Goff
  • Goodland
  • Gorham
  • Gove
  • Gove City
  • Grainfield
  • Grandview Plaza
  • Grantville
  • Great Bend
  • Greeley
  • Green
  • Greenleaf
  • Greensburg
  • Greenwich
  • Grenola
  • Gridley
  • Grinnell
  • Gypsum
  • Haddam
  • Halstead
  • Hamilton
  • Hamlin
  • Hanover
  • Hanston
  • Hardtner
  • Harper
  • Hartford
  • Harveyville
  • Havana
  • Haven
  • Havensville
  • Haviland
  • Hays
  • Haysville
  • Hazelton
  • Healy
  • Hepler
  • Herington
  • Herndon
  • Hesston
  • Hiawatha
  • Highland
  • Hill City
  • Hillsboro
  • Hillsdale
  • Hoisington
  • Holcomb
  • Hollenberg
  • Holton
  • Holyrood
  • Home
  • Hope
  • Horace
  • Horton
  • Howard
  • Hoxie
  • Hoyt
  • Hudson
  • Hugoton
  • Humboldt
  • Hunnewell
  • Hunter
  • Huron
  • Hutchinson
  • Independence
  • Ingalls
  • Inman
  • Iola
  • Isabel
  • Iuka
  • Jamestown
  • Jennings
  • Jetmore
  • Jewell
  • Johnson
  • Johnson City
  • Junction City
  • Kanopolis
  • Kanorado
  • Kansas City
  • Kechi
  • Kendall
  • Kensington
  • Kincaid
  • Kingman
  • Kinsley
  • Kiowa
  • Kirwin
  • Kismet
  • La Crosse
  • La Cygne
  • La Harpe
  • Labette
  • Lake City
  • Lake Quivira
  • Lakin
  • Lamont
  • Lancaster
  • Lane
  • Langdon
  • Lansing
  • Larned
  • Latham
  • Latimer
  • Lawrence
  • Le Roy
  • Leavenworth
  • Leawood
  • Lebanon
  • Lebo
  • Lecompton
  • Lehigh
  • Lenexa
  • Lenora
  • Leon
  • Leona
  • Leonardville
  • Leoti
  • Levant
  • Lewis
  • Liberal
  • Liberty
  • Liebenthal
  • Lincoln
  • Lincoln Center
  • Lincolnville
  • Lindsborg
  • Linn
  • Linn Valley
  • Linwood
  • Little River
  • Logan
  • Lone Elm
  • Long Island
  • Longford
  • Longton
  • Lorraine
  • Lost Springs
  • Louisburg
  • Louisville
  • Lucas
  • Ludell
  • Luray
  • Lyndon
  • Lyons
  • Macksville
  • Madison
  • Mahaska
  • Maize
  • Manchester
  • Manhattan
  • Mankato
  • Manter
  • Maple City
  • Maple Hill
  • Mapleton
  • Marienthal
  • Marion
  • Marquette
  • Marysville
  • Matfield Green
  • Mayetta
  • Mayfield
  • McConnell A F B
  • McCracken
  • McCune
  • McDonald
  • McFarland
  • McLouth
  • Mcpherson
  • Meade
  • Medicine Lodge
  • Melvern
  • Menlo
  • Meriden
  • Merriam
  • Milan
  • Milford
  • Milton
  • Miltonvale
  • Minneapolis
  • Minneola
  • Mission
  • Mission Hills
  • Mission Woods
  • Moline
  • Montezuma
  • Monument
  • Moran
  • Morganville
  • Morland
  • Morrill
  • Morrowville
  • Moscow
  • Mound City
  • Mound Valley
  • Moundridge
  • Mount Hope
  • Mulberry
  • Mullinville
  • Mulvane
  • Munden
  • Murdock
  • Muscotah
  • Narka
  • Nashville
  • Natoma
  • Neal
  • Nekoma
  • Neodesha
  • Neosho Falls
  • Neosho Rapids
  • Ness City
  • Netawaka
  • New Albany
  • New Cambria
  • New Century
  • New Strawn
  • Newton
  • Nickerson
  • Ninnescah
  • Niotaze
  • Norcatur
  • North Newton
  • Norton
  • Nortonville
  • Norway
  • Norwich
  • Oak Hill
  • Oakley
  • Oberlin
  • Offerle
  • Ogallah
  • Ogden
  • Oketo
  • Olathe
  • Olivet
  • Olmitz
  • Olpe
  • Olsburg
  • Onaga
  • Oneida
  • Opolis
  • Osage City
  • Osawatomie
  • Osborne
  • Oskaloosa
  • Oswego
  • Otis
  • Ottawa
  • Overbrook
  • Overland Park
  • Oxford
  • Ozawkie
  • Palco
  • Palmer
  • Paola
  • Paradise
  • Park
  • Park City
  • Parker
  • Parkerfield
  • Parkerville
  • Parsons
  • Partridge
  • Pawnee Rock
  • Paxico
  • Peabody
  • Peck
  • Penalosa
  • Penokee
  • Perry
  • Peru
  • Pfeifer
  • Phillipsburg
  • Piedmont
  • Pierceville
  • Piqua
  • Pittsburg
  • Plains
  • Plainville
  • Pleasanton
  • Plevna
  • Pomona
  • Portis
  • Potter
  • Potwin
  • Powhattan
  • Prairie View
  • Prairie Village
  • Pratt
  • Prescott
  • Preston
  • Pretty Prairie
  • Princeton
  • Protection
  • Quenemo
  • Quinter
  • Radium
  • Rago
  • Ramona
  • Randall
  • Randolph
  • Ransom
  • Rantoul
  • Raymond
  • Reading
  • Redfield
  • Republic
  • Reserve
  • Rexford
  • Richfield
  • Richland
  • Richmond
  • Riley
  • Riverton
  • Robinson
  • Rock
  • Roeland Park
  • Rolla
  • Rosalia
  • Rose Hill
  • Roseland
  • Ross
  • Rossville
  • Roxbury
  • Rozel
  • Rush Center
  • Russell
  • Russell Springs
  • Sabetha
  • Saint Francis
  • Saint George
  • Saint John
  • Saint Marys
  • Saint Paul
  • Salina
  • Satanta
  • Savonburg
  • Sawyer
  • Scammon
  • Scandia
  • Schoenchen
  • Scott City
  • Scottsville
  • Scranton
  • Sedan
  • Sedgwick
  • Selden
  • Seneca
  • Severance
  • Severy
  • Seward
  • Sharon
  • Sharon Springs
  • Shawnee
  • Shawnee Mission
  • Silver Lake
  • Simpson
  • Smith Center
  • Smolan
  • Sodville
  • Soldier
  • Solomon
  • South Haven
  • South Hutchinson
  • Spearville
  • Speed
  • Spivey
  • Spring Hill
  • St. George
  • Stafford
  • Stark
  • Sterling
  • Stilwell
  • Stockton
  • Strong City
  • Stuttgart
  • Sublette
  • Summerfield
  • Sun City
  • Susank
  • Sycamore
  • Sylvan Grove
  • Sylvia
  • Syracuse
  • Talmage
  • Tampa
  • Tecumseh
  • Tescott
  • Thayer
  • The Highlands
  • Timken
  • Tipton
  • Tonganoxie
  • Topeka
  • Toronto
  • Towanda
  • Treece
  • Tribune
  • Troy
  • Turon
  • Tyro
  • Udall
  • Ulysses
  • Union
  • Uniontown
  • Utica
  • Valley Center
  • Valley Falls
  • Vassar
  • Vermillion
  • Victoria
  • Vining
  • Viola
  • Virgil
  • Wa Keeney
  • Wakarusa
  • Wakefield
  • Waldo
  • Waldron
  • Walker
  • Wallace
  • Walnut
  • Walton
  • Wamego
  • Washington
  • Waterville
  • Wathena
  • Waverly
  • Webber
  • Weir
  • Welda
  • Wellington
  • Wellsville
  • Weskan
  • West Mineral
  • Westmoreland
  • Westphalia
  • Westwood
  • Westwood Hills
  • Wetmore
  • Wheaton
  • White City
  • White Cloud
  • Whitewater
  • Whiting
  • Wichita
  • Willard
  • Williamsburg
  • Willis
  • Willowbrook
  • Wilmore
  • Wilsey
  • Wilson
  • Winchester
  • Windom
  • Winfield
  • Winona
  • Wolf River
  • Woodbine
  • Woodston
  • Wright
  • Yates Center
  • Yoder
  • Zenda
  • Zurich