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Kansas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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.
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: 0.00%Real return: +2.20%APY minus CPI (February 2026) offering 6 Month Kid's Certificate at 5.00% APY, Topeka Firemens Credit UnionTopeka Firemens Credit Union2447 SE 29th St, Topeka, KS 66605 2240A+5.0 ★Texas Ratio: 0.00%Real return: +1.75%APY minus CPI (February 2026) offering 1 Year Share Certificates at 4.55% APY, Grant County BankGrant County Bank201 S Main St, Ulysses, KS 67880A5.0 ★Texas Ratio: 10.01%Real return: +1.68%APY minus CPI (February 2026) offering 5 Year Certificates of Deposit (CDs) at 4.48% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NE719 Wisconsin St, Cawker City, KS 67430A+5.0 ★Texas Ratio: 1.40%Real return: +1.57%APY minus CPI (February 2026) offering 36 Month Certificate of Deposit at 4.37% APY, and Omb BankOmb Bank8801 Renner Boulevard Suite 401, Lenexa, KS 66219A5.0 ★Texas Ratio: 8.85%Real return: +1.51%APY minus CPI (February 2026) offering 18-Month Certificate at 4.31% APY. CD rates as of September 21, 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: September 21, 2026
Compare Best CD Rates in Kansas
Kansas 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 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: 1.40%
719 Wisconsin St, Cawker City, KS 67430
3 Month Certificate of Deposit
$0
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.00% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
8801 Renner Boulevard Suite 401, Lenexa, KS 66219
3-Month Certificate
$0
4.05%
▲ 1.99% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.99% above avg
Details
Compounding: At maturity. Availability: Open Online
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
3 Month CD
$1,000
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
3 Month Certificate
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details
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
3.79%
▲ 1.73% above national avg
▼
Rate3.74%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.73% above avg
Details
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
3.69%
▲ 1.63% above national avg
▼
Rate3.64%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.63% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
3 Month CD
$1,000
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
3 Month IRA CD
$1,000
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
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
3.45%
▲ 1.39% above national avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.39% above avg
Details
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%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
200 S Hersey Ave, Beloit, KS 67420
3 Month Share Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.23% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
416 N Broadway St, Pittsburg, KS 66762 3919
3 Month Certificate of Deposit
$500
3.25%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.19% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
3 Month Regular Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
511 N Andover Rd, Andover, KS 67002
90-day CD
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
2600 Anderson Ave, Manhattan, KS 66502
90 Day Share Certificate of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
3 Month Classic CD
$0
2.90%
▲ 0.84% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.84% above avg
Details
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%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
20 S Mission St, Council Grove, KS 66846
3 Months CD
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
522 Broadway Ave, Tribune, KS 67879
3 Month Certificate of Deposit
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
106 N Main St, Johnson, KS 67855
3 Month CDs greater than or equal to
$0
2.43%
▲ 0.37% above national avg
▼
Rate2.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.37% above avg
Details
$100,000; Compounding: Quarterly
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%
▲ 0.32% above national avg
▼
Rate2.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.32% above avg
Details
$50,000; Quarterly compounding. **
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
601 S Main St, Hugoton, KS 67951
Regular Certificate of Deposit - 3 Months
$500
2.37%
▲ 0.31% above national avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.31% above avg
Details
Compounded: At Maturity
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 $49,999
$0
2.33%
▲ 0.27% above national avg
▼
Rate2.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.27% above avg
Details
$25,000
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 $24,999
$0
2.28%
▲ 0.22% above national avg
▼
Rate2.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.22% above avg
Details
$1000
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
3 Month Certificate of Deposit
$5,000
2.02%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.04% below avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
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%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3 Month Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$75,000
1.81%
▼ 0.25% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.25% below avg
Details
Balance: > $75,000
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%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
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%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
Early withdrawals prior to 59 1/2 years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at (636) 940-5555 .
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6800 College Blvd, Leawood, KS 66211
IRA Certificates of Deposit - 3-month
$1,000
1.65%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
3 Month CD
$1,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.50% below avg
Details
Rates are effective as of February 3, 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%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.50% below avg
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
3 Month CD
$1,000
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.55% below avg
Details
Compounding Frequency: Quarterly
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%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.55% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$25,000
1.51%
▼ 0.55% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.55% below avg
Details
Balance: $25,000 - $75,000
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
3-Month CD
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.56% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$250
1.31%
▼ 0.75% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.75% below avg
Details
Balance: $250 - $25,000
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
3 Month Certificate
$500
1.00%
▼ 1.06% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
90 Day Business CD
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
90 Day CD
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
90 Day Certificate
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
103 S Main St, Caldwell, KS 67022
90 Day Certificate
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
103 S Main St, Caldwell, KS 67022
90 Days CD
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
103 S Main St, Caldwell, KS 67022
90 Days Certificate Of Deposit
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
3035 Sw Topeka Blvd, Topeka, KS 66611
3 Month CD
$1,000
0.70%
▼ 1.36% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.36% below avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
3 Month Business Certificates of Deposit (CDs)
$0
0.66%
▼ 1.40% below national avg
▼
Rate0.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.40% below avg
Details
Kansas 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 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: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
6 Month Kid's Certificate
$0
5.00%
▲ 2.23% above national avg
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 2.23% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
6 Month Share Certificates
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details
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%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details
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%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
6 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
719 Wisconsin St, Cawker City, KS 67430
6 Month Certificate of Deposit
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
180 Day Business Certificate of Deposit
$1,500
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6029 BROADMOOR St, MISSION, KS 66202 9995
Share Certificate - 6 months
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.29% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
8900 W 135th St, Overland Park, KS 66221
6 Month CD Options
$0
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. 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.
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
416 N Broadway St, Pittsburg, KS 66762 3919
6 Month Certificate of Deposit
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
6 Month Certificate
$0
3.94%
▲ 1.17% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.17% above avg
Details
NBKC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
3510 W 95th St, Leawood, KS 66206
6 Month Personal CD
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
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
3.85%
▲ 1.08% above national avg
▼
Rate3.82%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
407 Broadway, Marysville, KS 66508
6 Month Share Certificates
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
309 Oak St, Bonner Springs, KS 66012
6 Month Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
1005 S Range Ave, Colby, KS 67701
6-MONTH CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
APY effective as of July 1, 2026. Balance: $10,000.00 and up
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
6 Month CD
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 6 Months
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
6 Month Certificate
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Interest Paid: Semi-Annually
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
3.75%
▲ 0.98% above national avg
▼
Rate3.72%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
6 Month - (BBB) Special Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
Balance: $100,000+
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance Requirement: $75,000+
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
6 Month Certificate
$0
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.91% above avg
Details
Interest Paid: Semi-Annually
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
10111 W 21st St N, Wichita, KS 67205
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money; Open now; Open in branch
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
522 Broadway Ave, Tribune, KS 67879
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
6 Month CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Rates are effective as of February 3, 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%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 and over
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
200 S Hersey Ave, Beloit, KS 67420
6 Month Share Certificate
$0
3.63%
▲ 0.86% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.86% above avg
Details
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%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Interest Compounded: Quarterly
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%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Preferred Certificates of Deposit (CD)
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $25,000.00-$74,999.99
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
4150 Kansas Ave, Kansas City, KS 66106
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
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%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
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%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
Certificate of Deposit - SPECIAL 180 Day CD
$1,500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $1,000 - $49,999.99
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
3.53%
▲ 0.76% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details
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%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
6 Month Certificate of Deposit
$0
3.51%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.74% above avg
Details
Balance: $500.00-$24,999.99
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
10111 W 21st St N, Wichita, KS 67205
6-month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
New Money; Open now; Open in branch
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
511 N Andover Rd, Andover, KS 67002
180-day CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
6-Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
3730 W 13th St N, Wichita, KS 67203 4402
6-Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details
APY = Annual Percentage Yield
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
6 Month Share and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
6 Month Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
6 Month Classic CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
6 Month - (BB) Special Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $50,000 - $99,999
Kansas 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 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 Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2447 SE 29th St, Topeka, KS 66605 2240
1 Year Share Certificates
$0
4.55%
▲ 1.60% above national avg
▼
Rate4.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.60% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
12 Month IRA Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
12 Month Share Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
719 Wisconsin St, Cawker City, KS 67430
12 Month Certificate of Deposit
$0
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.21% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
1 Year CD or IRA
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 1 Year CD or IRA - Jumbo
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Jumbo
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
12 Month Certificate
$0
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Interest Paid: Semi-Annually
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
12 Month Certificate
$500
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.06% above avg
Details
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%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
8900 W 135th St, Overland Park, KS 66221
12 Month CD Options
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
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%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounded Quarterly
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%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
12 Month - (AAA) Special Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
12 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance Requirement: $75,000+
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
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year IRA Certificate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year Variable Rate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 1 Year Variable Rate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
1 Year Certificate
$0
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.01% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
12 Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3004 Strong Ave, Kansas City, KS 66106
12 Month IRA CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
209 Montana Ave, Holton, KS 66436
12 Month Certificate
$0
3.94%
▲ 0.99% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.99% above avg
Details
Interest Paid: Semi-Annually
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
1 Year Share Certificate
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
12 Month Jumbo Certificate
$50,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
12 Month Preferred Certificates of Deposit (CD)
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $25,000.00-$74,999.99
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
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year IRA Certificate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
1 Year Variable Rate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 1 Year Variable Rate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
309 Oak St, Bonner Springs, KS 66012
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
112 N Main St, Hope, KS 67451
12 Month IRA Certificate Term
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.90% above avg
Details
Variable rate is based on the 91 Day Treasury Bill. This rate can be adjusted monthly and has a guaranteed minimum rate of 3.610% APR with an APY of 3.680% (effective 4/1/2026 - 3/31/2027). 13 week Treasury Bill = 3.780% 26 week Treasury Bill = 3.890%
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%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
407 Broadway, Marysville, KS 66508
12 Month Share Certificates
$500
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.85% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
117 S Union St, Mc Louth, KS 66054
1 Year Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
12-Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 1 Year
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
12 Month Jumbo Certificate
$25,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
1 Year Premier CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
12 Month Certificate of Deposit
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $500.00-$24,999.99
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
1 Year CD or IRA
$500
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
802 Ames St, Baldwin City, KS 66006
Business 1 Year CD or IRA
$500
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
FSB of Aliceville, Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
11 W Broadway St, Lebo, KS 66856
CD - 1 year
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
101 W Main St, Sedan, KS 67361
1 YEAR CD
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.84% above avg
Details
Compounding Frequency: SEMI ANNUALLY
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
306 N Main St, Cheney, KS 67025
12 Month CD
$500
3.77%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.82% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
10000 College Blvd, Overland Park, KS 66210
12 Month Certificate of Deposit
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
1 Year Certificate
$2,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
310 W 12th Ave, Emporia, KS 66801
Jumbo 12 Months Certificate
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.80% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
12 Month - (AA) Special Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
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
3.74%
▲ 0.79% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.79% above avg
Details
Kansas 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 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
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
8801 Renner Boulevard Suite 401, Lenexa, KS 66219
18-Month Certificate
$0
4.31%
▲ 1.49% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.49% above avg
Details
Compounding: Quarterly. Availability: Open Online
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
310 W 12th Ave, Emporia, KS 66801
Jumbo 18 Months Special Certificate
$100,000
4.25%
▲ 1.43% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.43% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
18 Month IRA Certificates
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
18 Month Share Certificates
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details
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
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month IRA Certificate
$100
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 18 Months
$100
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
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
4.04%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.22% above avg
Details
Jumbo
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 - Jumbo
$500
4.04%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.22% above avg
Details
Jumbo
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
8900 W 135th St, Overland Park, KS 66221
18 Month CD Options
$0
4.01%
▲ 1.19% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.19% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
310 W 12th Ave, Emporia, KS 66801
18 Months Special Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.18% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Balance Requirement: $75,000+
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
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
18 Month IRA Certificate
$100
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 18 Months
$100
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
309 Oak St, Bonner Springs, KS 66012
18 Month Certificate of Deposit
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
18 Month Business Certificates of Deposit (CDs)
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.03% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.03% above avg
Details
$10,000+
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%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
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%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
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%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
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
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
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
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
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
3.79%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
Variable Rate
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.88% above avg
Details
Balance: $25,000.00-$74,999.99
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
18 Month CD
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
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%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
18 Month Variable IRA
$25
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Term: 18 Month Variable IRA; Interest Compounded: Quarterly with rates adjusted quarterly
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
6860 W 115th St, Overland Park, KS 66211 2457
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $1,000 and over
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
1.5 Year Share Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
200 S Hersey Ave, Beloit, KS 67420
18 Month Share Certificate
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
18 Month Certificate of Deposit
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $500.00-$24,999.99
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2711 W 15TH AVE, EMPORIA, KS 66801
18 months Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.52%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.74% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month Certificate of Deposit
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.73% above avg
Details
Balance: $1,000 - $49,999.99
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
18 Month Share and IRA Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 18 month
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
4150 Kansas Ave, Kansas City, KS 66106
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.68% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
18 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
$0 - $9,999.99
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
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
$0 - $9,999.99
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
18-Month CD
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
18 Month Premier CD
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.63% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
18 Month CD
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.58% above avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
306 N Main St, Cheney, KS 67025
18 Month CD
$500
3.35%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.53% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
18 Month Signature CD
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.53% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
18 Month CD
$1,000
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Rates are effective as of February 3, 2026.
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
400 Maple St, Overbrook, KS 66524
18 Month Certificate of Deposit
$1,000
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Kansas 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 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: 1.40%
719 Wisconsin St, Cawker City, KS 67430
24 Month Certificate of Deposit
$0
4.27%
▲ 1.43% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.43% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance Requirement: $75,000+
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
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year IRA Certificate
$100
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 2 Year
$100
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.27% above avg
Details
Balance: $25,000.00-$74,999.99
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
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
2 Year IRA Certificate
$100
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 2 Year
$100
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
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
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
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 - Jumbo
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
24-Month CD
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.17% above avg
Details
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
201 S 4th St, Burlington, KS 66839
24 Month CD Special
$5,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
24 Month IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
24 Month Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
24 Month Certificate of Deposit
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500.00-$24,999.99
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
309 Oak St, Bonner Springs, KS 66012
24 Month Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
24 Month Business Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
24 Month Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
24-Month CD
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
24 Month Business Certificates of Deposit (CDs)
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
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%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
$10,000+
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
2 Year Certificate
$0
3.83%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.99% above avg
Details
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%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
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%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 24 month
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
24 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2711 W 15TH AVE, EMPORIA, KS 66801
24 months Certificate
$500
3.64%
▲ 0.80% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.80% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month Certificate of Deposit (Jumbo)
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month IRA Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 and over
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
24 Month Share Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6029 BROADMOOR St, MISSION, KS 66202 9995
Share Certificate - 2 years
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
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%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Interest Compounded: Quarterly
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
2 Year Certificate
$2,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
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%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
310 W 12th Ave, Emporia, KS 66801
24 Months Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
24 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
2 Year Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2447 SE 29th St, Topeka, KS 66605 2240
2 Year Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
4150 Kansas Ave, Kansas City, KS 66106
2 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $1,000 - $49,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
24 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$0 - $9,999.99
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
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$0 - $9,999.99
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
223 S Main St, Pratt, KS 67124
2 Year CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.56% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
7260 W 135th St, Overland Park, KS 66223
2 Year Premier CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
117 S Union St, Mc Louth, KS 66054
2 Year Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
306 N Main St, Cheney, KS 67025
24 Month CD
$500
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
24 Month Jump Rate
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Kansas 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 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: 1.40%
719 Wisconsin St, Cawker City, KS 67430
36 Month Certificate of Deposit
$0
4.37%
▲ 1.61% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.61% above avg
Details
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
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year IRA Certificate
$100
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 3 Year
$100
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
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
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
3 Year IRA Certificate
$100
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 3 Year
$100
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
36 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.44% above avg
Details
Balance Requirement: $75,000+
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
36-Month CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.39% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.35% above avg
Details
Balance: $25,000.00-$74,999.99
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
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Jumbo
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 - Jumbo
$500
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Jumbo
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
3 Year Certificate
$2,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2447 SE 29th St, Topeka, KS 66605 2240
3 Year Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3 Year Certificate Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3-Year CD Special
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
New money only. Unlimited Additional Deposits. APY = Annual Percentage Yield. Early withdrawal penalties may apply. Contact TPCU for complete terms and conditions.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
36 Month Certificate of Deposit
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $500.00-$24,999.99
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
36 Month Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
36 Month IRA Certificates
$0
3.84%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.08% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
3 Year Certificate
$0
3.83%
▲ 1.07% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.07% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
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%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
36 Month Share Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.00% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 36 month
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.94% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
36 Month CD
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
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%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
36 Month Companion CD Accounts
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
Interest Compounded: Quarterly
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000 and over
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2711 W 15TH AVE, EMPORIA, KS 66801
36 months Certificate
$500
3.64%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.88% above avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
112 N Main St, Hope, KS 67451
36 Month IRA Certificate Term
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.80% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
3 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
Certificate of Deposit - IRA 3 Year
$50
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month Certificate of Deposit
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.79% above avg
Details
Balance: $1,000 - $49,999.99
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
36 Month Share Certificates
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
36 Month Share and IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
3 Year Share Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
4150 Kansas Ave, Kansas City, KS 66106
3 Year Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
36 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.73% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
36 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.73% above avg
Details
$10,000+
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
201 W Main St, Council Grove, KS 66846
36 Month Jump Rate
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
36 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
36 Month IRA Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
Business 36 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.69% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
407 Broadway, Marysville, KS 66508
36 Month Share Certificates
$500
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
36 Month Share Certificate
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
223 S Main St, Pratt, KS 67124
3 Year CD
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month CD
$75,000
3.34%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.58% above avg
Details
Balance: > $75,000
Kansas 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 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
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year IRA Certificate
$100
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 4 Year
$100
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
719 Wisconsin St, Cawker City, KS 67430
48 Month Certificate of Deposit
$0
4.37%
▲ 1.60% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.60% above avg
Details
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
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
4 Year IRA Certificate
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 4 Year
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
48 Month Certificate
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
48 Month Business Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
48 Month Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
3710 Sw Topeka Blvd, Topeka, KS 66609
48-Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
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
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Jumbo
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 - Jumbo
$500
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Jumbo
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
48 Month IRA Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
48 Month Share Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Premium Certificates of Deposit (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.13% above avg
Details
Balance Requirement: $75,000+
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
4 Year Certificate
$0
3.83%
▲ 1.06% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.06% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
48 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
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%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
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%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
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%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
48 Month Adjustable Rate IRA
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Term: 48 Month Adjustable Rate IRA; Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
48 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
48 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest Compounded: Quarterly
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $25,000.00-$74,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
48 Month CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
48-Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
48 Month Certificate of Deposit
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $500.00-$24,999.99
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
48 Month Share Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
48 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
48 Month IRA Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
Business 48 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details
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%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month Certificate of Deposit (Jumbo)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month IRA Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $1,000 and over
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
48 Month Share Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
310 W 12th Ave, Emporia, KS 66801
48 Months Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
48 Month Share and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
4 Year Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
11401 Lamar Ave, Overland Park, KS 66211 1508
Share Certificate - 48 month
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
48 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.72% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
48 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.72% above avg
Details
$10,000+
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month Certificate of Deposit
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000 - $49,999.99
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$75,000
3.39%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month IRA CD
$0
3.39%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$25,000
3.33%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.56% above avg
Details
Balance: $25,000 - $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month IRA CD
$0
3.33%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.56% above avg
Details
Balance: $25,001 - $75,000
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
690 Eisenhower Rd, Leavenworth, KS 66048 4800
48 Month Regular Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Kansas 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 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
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year IRA Certificate
$1,000
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 5 Year
$1,000
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
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
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
5 Year IRA Certificate
$1,000
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
201 S Main St, Ulysses, KS 67880
IRA Certificates - 5 Year
$1,000
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
719 Wisconsin St, Cawker City, KS 67430
60 Month Certificate of Deposit
$0
4.37%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.53% above avg
Details
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%
▲ 1.38% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.38% above avg
Details
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
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
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 - Jumbo
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
60 Month Share Certificates
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
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%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
806 5th St, Wamego, KS 66547
5 Year Certificate
$0
3.83%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.99% above avg
Details
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%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
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%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
17000 W 119th St, Olathe, KS 66061
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
60 Month Certificate of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
60 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
60 Month Companion CD Accounts
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Interest Compounded: Quarterly
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance Requirement: $75,000+
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
60 Month Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
60 Month IRA Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
610 SW 10th Ave, Topeka, KS 66612
Business 60 Month Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
307 Main St, Westmoreland, KS 66549
60 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
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%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
1010 SW Tyler St, Topeka, KS 66612 1720
60 Month Share Certificates
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.77% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
711 Minnesota Ave, Kansas City, KS 66101
60-Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Preferred Certificates of Deposit (CD)
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $25,000.00-$74,999.99
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
5 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
122 W Main St, Mulvane, KS 67110
Certificate of Deposit - IRA 5 Year
$50
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$75,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: > $75,000
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1105 W Dennis Ave, Olathe, KS 66061
60 Month Certificate of Deposit
$0
3.51%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $500.00-$24,999.99
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Month Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Compounded Quarterly
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
100 S 4th St, Leavenworth, KS 66048
5 Year Certificate
$2,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
60 Month Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
610 E Cloud Ave, Andover, KS 67002 8952
60 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
7721 W 123rd St, Overland Park, KS 66213 1303
5 Year Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted. Rates shown include all available bonuses.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
60 Month Certificate of Deposit (Jumbo)
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
60 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $1,000 and over
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
60 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
104 S Main St, Tescott, KS 67484
60 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$10,000+
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
223 S Main St, Pratt, KS 67124
5 Year CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.61% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$25,000
3.44%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.60% above avg
Details
Balance: $25,000 - $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.44%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.60% above avg
Details
Balance: $25,001 - $75,000
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
2600 Anderson Ave, Manhattan, KS 66502
5 Year Share Certificate of Deposit
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
10910 W 87th St, Lenexa, KS 66214 1603
60 Month Certificate of Deposit
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $1,000 - $49,999.99
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$250
3.39%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.55% above avg
Details
Balance: $250 - $25,000
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD KS Avg
2.952%
▲ 0.030 vs 7 days ago
Kansas 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD KS Avg
2.767%
▲ 0.021 vs 7 days ago
Kansas 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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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 | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
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.
| Rung | Term | Deposit | KS Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/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.
1,054
CD Rates
Tracked in Kansas
Tracked in Kansas
72 Banks
38 Credit Unions
About Our Kansas CD Rate Database
MonitorBankRates tracks 1,054 CD rates from 72 banks and 38 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 (1–5), 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 38 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: 110 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
$127/yr
At KS 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $127 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 (90–180 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 6 Month Kid's Certificate 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 4.48% 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 (6 Month Kid's Certificate)
- Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
- Grant County Bank: 4.48% APY (5 Year Certificates of Deposit (CDs))
- Farmers and Merchants Bank Milligan, NE: 4.37% APY (36 Month Certificate of Deposit)
- Omb Bank: 4.31% APY (18-Month Certificate)
- Emporia State Federal Credit Union: 4.25% APY (Jumbo 18 Months Special Certificate)
- Envista Federal Credit Union: 4.25% APY (36 Month Certificate)
- Campus Credit Union: 4.25% APY (6 Month Share Certificates)
- The Valley State Bank: 4.22% APY (60 Month CD)
- Capitol Federal Savings Bank: 4.20% APY (48 Month Business Certificate of Deposit)
Rates reflect recent verified offers available in Kansas. Last Updated: September 21, 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 30–180 days of interest. Estimates are for informational purposes only.
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 LadderKS CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kansas CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsKansas’s average 12-month CD is 2.952% 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: September 21, 2026
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