Kansas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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: 2.63%Real return: +2.20%APY minus CPI (February 2026) offering Kid's Certificates 6 Month at 5.00% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NE719 Wisconsin St, Cawker City, KS 67430A+5.0 ★Texas Ratio: 0.00%Real return: +1.47%APY minus CPI (February 2026) offering 24 Month CD at 4.27% APY, Envista Federal Credit UnionEnvista Federal Credit Union3626 SW Wanamaker Rd, Topeka, KS 66614 4528A+5.0 ★Texas Ratio: 2.67%Real return: +1.45%APY minus CPI (February 2026) offering 36 Month at 4.25% APY, The Valley State BankThe Valley State Bank502 N Merchant St, Belle Plaine, KS 67013A+5.0 ★Texas Ratio: 3.63%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month CD at 4.22% APY, and Capitol Federal Savings BankCapitol Federal Savings Bank3710 Sw Topeka Blvd, Topeka, KS 66609A+5.0 ★Texas Ratio: 1.06%Real return: +1.40%APY minus CPI (February 2026) offering 48-Month CD at 4.20% APY. CD rates as of September 1, 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 — 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 1, 2026
Compare Best CD Rates in Kansas
Kansas 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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:
A+5.0 ★Texas Ratio: 4.97%
8801 Renner Boulevard Suite 401, Lenexa, KS 66219
3-Month
$0
4.05%
▲ 2.09% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.09% above avg
Details
Compounding: At maturity. Open Online
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
17000 W 119th St, Olathe, KS 66061
3-Month Share Certificate
$1,000
4.00%
▲ 2.04% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.04% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
11935 Riley St, Overland Park, KS 66213
3-MONTH TIME DEPOSIT ACCOUNT
$500
3.85%
▲ 1.89% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.89% above avg
Details
Special Offer. balances under $100k
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
3 Month CD
$1,000
3.80%
▲ 1.84% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
3 Month
$0
3.80%
▲ 1.84% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.84% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
3 Month CD
$1,000
3.60%
▲ 1.64% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
3 Month IRA CD
$1,000
3.60%
▲ 1.64% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
3 months
$0
3.56%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.60% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1900 Main St, Parsons, KS 67357
3-Month CD
$1,000
3.40%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
3 Month CD
$1,000
3.37%
▲ 1.41% above national avg
▼
Rate3.33%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.41% above avg
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
200 S Hersey Ave, Beloit, KS 67420
3 Month Share Certificate
$2,500
3.29%
▲ 1.33% above national avg
▼
Rate3.25%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.33% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
416 N Broadway St, Pittsburg, KS 66762 3919
3 Month Certificate of Deposit
$500
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
3-Month CD
$0
3.10%
▲ 1.14% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
3 Month CD
$0
2.75%
▲ 0.79% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
20 S Mission St, Council Grove, KS 66846
3 Months CD Only
$1,000
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
522 Broadway Ave, Tribune, KS 67879
3 Month CD
$0
2.50%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 S Main St, Hugoton, KS 67951
3 Months
$500
2.37%
▲ 0.41% above national avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.41% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6201 College Blvd, Overland Park, KS 66211
3-Month CD
$0
2.00%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.04% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$0
1.81%
▼ 0.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.15% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
3-month Certificate of Deposit
$1,000
1.65%
▼ 0.31% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
3-month IRA Certificate of Deposit
$1,000
1.65%
▼ 0.31% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
IRA Certificate of Deposit - 3-month
$1,000
1.65%
▼ 0.31% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
400 Maple St, Overbrook, KS 66524
3 Month Certificate of Deposit
$1,000
1.55%
▼ 0.41% below national avg
▼
Rate1.56%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.41% below avg
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 N Main St, Hutchinson, KS 67501
3 month
$1,000
1.51%
▼ 0.45% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.45% below avg
Details
FSB Mcpherson, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
2074 E Kansas Ave, Mcpherson, KS 67460
3 month CD
$1,000
1.51%
▼ 0.45% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.45% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$0
1.51%
▼ 0.45% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.45% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
90 Day CD
$0
1.31%
▼ 0.65% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.65% below avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
3 Month
$500
1.00%
▼ 0.96% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 3 Month
$500
1.00%
▼ 0.96% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
90 Day
$1,500
0.90%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
Business 90 Day
$1,500
0.90%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 S Main St, Caldwell, KS 67022
90 Days
$0
0.75%
▼ 1.21% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.21% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 14.24%
3035 Sw Topeka Blvd, Topeka, KS 66611
3 months CD
$1,000
0.70%
▼ 1.26% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.26% below avg
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
313 W 9th St, Coffeyville, KS 67337 5813
3-MONTH SHARE CERTIFICATE
$1,000
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
3-month term
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
3-month term Standard CDs
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
3-month term Standard CDs Rewards
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Regular APY 0.50% Dividend Rate 0.50%
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 N Penn Ave, Independence, KS 67301
3 Months
$0
0.55%
▼ 1.41% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.41% below avg
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
103 S Main St, Canton, KS 67428
3 Month
$0
0.50%
▼ 1.46% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
3 Month
$2,500
0.50%
▼ 1.46% below national avg
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.59%
200 W 2nd Ave, Buhler, KS 67522 2245
Regular 3 Month
$1,000
0.50%
▼ 1.46% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
3 Month
$0
0.31%
▼ 1.65% below national avg
▼
Rate0.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 1.65% below avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 3 Month
$0
0.31%
▼ 1.65% below national avg
▼
Rate0.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 1.65% below avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 3 Month
$0
0.31%
▼ 1.65% below national avg
▼
Rate0.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▼ 1.65% below avg
Details
$0 - $9,999.99
Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
400 E Douglas Ave, Wichita, KS 67202
3 Month (CD Only)
$0
0.30%
▼ 1.66% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.66% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6300 W 21st St N, Wichita, KS 67205
3 Months
$0
0.30%
▼ 1.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.66% below avg
Details
Dividend paid at maturity; 30-day penalty
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
90 Day
$500
0.20%
▼ 1.76% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.76% below avg
Details
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
13-90 Day CD
$2,500
0.20%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.76% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
3 Month CD
$0
0.20%
▼ 1.76% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.76% below avg
Details
Farmers State Bank Wathena, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
211 Saint Joseph St, Wathena, KS 66090
3 Month
$500
0.20%
▼ 1.76% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.76% below avg
Details
Kansas 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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: 2.63%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
Kid's Certificates 6 Month
$0
5.00%
▲ 2.33% above national avg
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 2.33% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
6 Month
$500
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 6 Month
$500
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
6 Month CD
$1,000
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.41% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
6 Month IRA CD
$1,000
4.08%
▲ 1.41% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.41% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
Business 180 Day Certificate
$1,500
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.39% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.00%
17000 W 119th St, Olathe, KS 66061
6-Month Share Certificate
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Limited Time. Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. Compounding monthly or at account closure. 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. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
6 Month
$0
3.91%
▲ 1.24% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.24% above avg
Details
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3510 W 95th St, Leawood, KS 66206
6 month Personal CD
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Open Online
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
309 Oak St, Bonner Springs, KS 66012
6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Adams Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
1005 S Range Ave, Colby, KS 67701
6-MONTH CD
$500
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
6 Month CD
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
823 Main St, Winfield, KS 67156
6-Month CD Special
$0
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
10111 W 21st St N, Wichita, KS 67205
6-month CD
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
New Money
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
522 Broadway Ave, Tribune, KS 67879
6 Month CD
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month CD
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
200 S Hersey Ave, Beloit, KS 67420
6 Month Share Certificate
$2,500
3.63%
▲ 0.96% above national avg
▼
Rate3.60%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.96% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
6 month
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
6 months
$0
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.89% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
180 Day CD
$1,500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
Business 180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
6 Month
$0
3.55%
▲ 0.88% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
6 Month
$2,500
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
6 Month CD
$1,000
3.52%
▲ 0.85% above national avg
▼
Rate3.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.85% above avg
Details
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
10111 W 21st St N, Wichita, KS 67205
6-month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
New Money
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
6-Month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
6 Month
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2711 W 15TH AVE, EMPORIA, KS 66801
6 months
$500
3.47%
▲ 0.80% above national avg
▼
Rate3.43%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.80% above avg
Details
Sunflower Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
711 N Kansas Ave, Liberal, KS 67901
6-Month CD Special
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Limited Time CD Special
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1900 Main St, Parsons, KS 67357
6-Month CD
$1,000
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - 6 month term
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - Youth Certificate - 6 mo. Term
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
7240 STATE AVE, KANSAS CITY, KS 66112
6 Month
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.68% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
6 Month IRA/Share Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
CoreFirst Bank & Trust
Institution Rating:
A-5.0 ★Texas Ratio: 14.24%
3035 Sw Topeka Blvd, Topeka, KS 66611
6 months CD
$1,000
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.62% above avg
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
8900 W 135th St, Overland Park, KS 66221
6 Months
$0
3.28%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.61% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 Montana Ave, Holton, KS 66436
6 Month
$0
3.28%
▲ 0.61% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.61% above avg
Details
Home Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
217 N Main St, Eureka, KS 67045
6 Month CD
$0
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
720 N MAIN ST, MCPHERSON, KS 67460
6 month
$0
3.24%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
720 N MAIN ST, MCPHERSON, KS 67460
6-month
$0
3.24%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
6 Month CD
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
209 Montana Ave, Holton, KS 66436
6 Month
$0
3.17%
▲ 0.50% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.50% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
720 N MAIN ST, MCPHERSON, KS 67460
6-month
$0
3.04%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
6 Month
$500
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.36% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
416 N Broadway St, Pittsburg, KS 66762 3919
6 Month Certificate of Deposit
$500
3.00%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
1515 N Summit St, Arkansas City, KS 67005
6 Month Certificate
$0
2.97%
▲ 0.30% above national avg
▼
Rate2.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.30% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
6 Month
$0
2.91%
▲ 0.24% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.24% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 6 Month
$0
2.91%
▲ 0.24% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 0.24% above avg
Details
$0 - $9,999.99
Kansas 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
719 Wisconsin St, Cawker City, KS 67430
12-Month CD
$500
4.16%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.33% above avg
Details
Penalty for early withdrawal
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
1 Year CD or IRA - Jumbo
$0
4.04%
▲ 1.21% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.21% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
12 Month
$500
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.18% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 12 Month
$500
4.01%
▲ 1.18% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.18% above avg
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
12 Month Special
$100,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Compounded Quarterly
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
12 Month Special
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
1 Year
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 1.13% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
12 Month CD
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 10.78%
3004 Strong Ave, Kansas City, KS 66106
12 Month IRA CD
$1,000
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
1 Year
$500
3.90%
▲ 1.07% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
309 Oak St, Bonner Springs, KS 66012
12 months
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
1 Year
$1,000
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.99% above avg
Details
FNB of Hope
Institution Rating:
D3.4 ★Texas Ratio: 34.15%
112 N Main St, Hope, KS 67451
12-Month Variable
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
Variable rate; **
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
12-Month CD
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
1 Year
$1,000
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 1 Year
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 1 Year
$0
3.80%
▲ 0.97% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
1 Year CD or IRA
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.96% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 1 Year CD or IRA
$500
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.96% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
FSB of Aliceville, Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
11 W Broadway St, Lebo, KS 66856
CD - 1 year
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.96% above avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
101 W Main St, Sedan, KS 67361
1 YEAR CD
$0
3.79%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.96% above avg
Details
Compounding Frequency: SEMI ANNUALLY
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
12 Month CD
$500
3.77%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
1 Year Certificate
$2,000
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
1 Year
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6300 W 21st St N, Wichita, KS 67205
12 Month CD
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6300 W 21st St N, Wichita, KS 67205
12 Months Special
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Dividend paid at maturity; 90-day penalty
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
117 S Union St, Mc Louth, KS 66054
1 year
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
1 Year CD
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
12 Month CD
$1,000
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3510 W 95th St, Leawood, KS 66206
1 year Personal CD
$1,000
3.66%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Open Online
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1201 Military Ave, Baxter Springs, KS 66713
12 Month CD
$1,000
3.66%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
201 S 4th St, Burlington, KS 66839
12 Month CD Special
$5,000
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
12 Month CD
$1,000
3.65%
▲ 0.82% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - 12 month term
$0
3.64%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.81% above avg
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - Youth Certificate - 12 mo. Term
$0
3.64%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.81% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
7240 STATE AVE, KANSAS CITY, KS 66112
12 Month
$0
3.64%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.81% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
1 year
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
12 Month CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.87%
200 S Hersey Ave, Beloit, KS 67420
12 Month Share Certificate
$500
3.60%
▲ 0.77% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
12 Month
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
12 Month CD
$100
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
12 months
$0
3.56%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.73% above avg
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
823 Main St, Winfield, KS 67156
12-Month CD Special
$0
3.51%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.68% above avg
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
8900 W 135th St, Overland Park, KS 66221
12 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.59%
200 W 2nd Ave, Buhler, KS 67522 2245
1 Year Add-On
$500
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2711 W 15TH AVE, EMPORIA, KS 66801
12 months
$500
3.48%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.65% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
12 Month CD
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
12-month Certificate of Deposit
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
12-month IRA Certificate of Deposit
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
IRA Certificate of Deposit - 12-month
$1,000
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Kansas 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
18 Month CD or IRA - Jumbo
$0
4.04%
▲ 1.36% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.36% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
18 Month IRA/Share Certificate
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
18 Month
$0
3.80%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.12% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
18 Month CD or IRA
$0
3.79%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 18 Month CD or IRA
$500
3.79%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6201 College Blvd, Overland Park, KS 66211
18-Month Variable Rate IRA
$0
3.79%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.11% above avg
Details
Variable Rate
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6480 Sprint Pkwy Ste I, Overland Park, KS 66211 1166
18-Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% 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 CD
$1,000
3.72%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.04% 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
3.72%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.04% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
18 Month CD
$1,000
3.65%
▲ 0.97% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
IRA - 18 Month CD
$1,000
3.65%
▲ 0.97% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
18 Month Variable IRA
$25
3.65%
▲ 0.97% above national avg
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.97% above avg
Details
Interest Compounded: Quarterly with rates adjusted quarterly
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month CD
$1,000
3.65%
▲ 0.97% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
1.5 Year
$500
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2711 W 15TH AVE, EMPORIA, KS 66801
18 months
$500
3.56%
▲ 0.88% above national avg
▼
Rate3.52%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
18 Month
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
18-Month CD
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 18 Months
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
18 Month CD
$0
3.40%
▲ 0.72% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.72% above avg
Details
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
18 Month CD
$500
3.35%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.67% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3030 N Rock Rd, Wichita, KS 67226
18 months
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
18 Month CD
$0
3.20%
▲ 0.52% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
18 Month: Add-On
$100
3.20%
▲ 0.52% above national avg
▼
Rate3.16%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
Halstead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
314 Main St, Halstead, KS 67056
18-Month Fixed Rate Account
$250
3.15%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Penalty for early withdrawal: 9 months interest
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
145 E Main St, Coldwater, KS 67029
18 Month Certificate of Deposit
$500
3.13%
▲ 0.45% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.45% above avg
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
145 E Main St, Coldwater, KS 67029
18 Month IRA
$500
3.13%
▲ 0.45% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.45% above avg
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 S Main St, Hugoton, KS 67951
18 Months
$500
3.12%
▲ 0.44% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.44% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
18 Month
$0
3.11%
▲ 0.43% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.43% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 18 Month
$0
3.11%
▲ 0.43% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.43% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 18 Month
$0
3.11%
▲ 0.43% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 0.43% above avg
Details
$0 - $9,999.99
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
18-month Certificate of Deposit
$1,000
3.10%
▲ 0.42% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
18-month IRA Certificate of Deposit
$1,000
3.10%
▲ 0.42% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
IRA Certificate of Deposit - 18-month
$1,000
3.10%
▲ 0.42% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
18 months
$0
3.05%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
18 Month
$500
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
IRA Certificate 18 Month
$500
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
18 Month Certificate of Deposit - IRA
$50
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
18 Month Variable
$0
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
18 Month Variable Certificate of Deposit - IRA
$50
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Citizens Bank of Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 N Main St, Kingman, KS 67068
18 Month
$0
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Citizens Bank of Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
300 N Main St, Kingman, KS 67068
18 Month CD
$500
3.03%
▲ 0.35% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.35% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
18 month
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
18 Month
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 18 Month
$500
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Kansas 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
719 Wisconsin St, Cawker City, KS 67430
24 Month CD
$500
4.27%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.56% above avg
Details
Penalty for early withdrawal
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
24 Month CD or IRA - Jumbo
$0
4.04%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.33% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
24-Month CD
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.30% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
309 Oak St, Bonner Springs, KS 66012
24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3710 Sw Topeka Blvd, Topeka, KS 66609
24-Month CD
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
2 Year
$0
3.83%
▲ 1.12% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 1.12% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
24 Month CD or IRA
$0
3.79%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.08% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 24 Month CD or IRA
$500
3.79%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.08% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
24 Month CD
$1,000
3.65%
▲ 0.94% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2711 W 15TH AVE, EMPORIA, KS 66801
24 months
$500
3.64%
▲ 0.93% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.93% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month CD
$1,000
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
2 Years
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
2 year
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
2 Year Certificate
$2,000
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
24 Month CD
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
2 Years
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
2 Year
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
2 Year CD
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 2 Years
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
117 S Union St, Mc Louth, KS 66054
2 year
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
24 Month CD
$500
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
24 Month Jump Rate
$0
3.30%
▲ 0.59% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3030 N Rock Rd, Wichita, KS 67226
24 months
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
24 Month CD
$0
3.29%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
24 Month IRA CD
$0
3.29%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.58% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 2 Years
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
24 months
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 S Main St, Hugoton, KS 67951
24 Months
$500
3.22%
▲ 0.51% above national avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.51% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
24 Month
$0
3.11%
▲ 0.40% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.40% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 24 Month
$0
3.11%
▲ 0.40% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.40% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 24 Month
$0
3.11%
▲ 0.40% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.71%▲ 0.40% above avg
Details
$0 - $9,999.99
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - 24 month term
$0
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
7240 STATE AVE, KANSAS CITY, KS 66112
24 Month
$0
3.10%
▲ 0.39% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
24 Month CD
$0
3.09%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
24 Month IRA CD
$0
3.09%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
2 Year
$100
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
24 month
$0
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
Business 24 Month
$0
3.04%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.33% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
24 Month
$500
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
IRA Certificate 24 Month
$500
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
145 E Main St, Coldwater, KS 67029
2 Year Certificate of Deposit
$500
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
145 E Main St, Coldwater, KS 67029
2 Year IRA
$500
3.03%
▲ 0.32% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
200 S Main St, Stafford, KS 67578
24 Month Bump Special
$0
3.02%
▲ 0.31% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.31% above avg
Details
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3510 W 95th St, Leawood, KS 66206
2 year Personal CD
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Open Online
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
24-month Certificate of Deposit
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6800 College Blvd, Leawood, KS 66211
24-month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Kansas 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
36 Month
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 36 Month
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
36-Month CD
$0
4.15%
▲ 1.50% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
36 Month CD or IRA - Jumbo
$0
4.04%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.39% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
3 Year Certificate
$2,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
320 S Kansas Ave Ste 100, Topeka, KS 66603 3644
3 Year Special
$0
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
3 Year
$0
3.83%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.18% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
36 Month CD or IRA
$0
3.79%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 36 Month CD or IRA
$500
3.79%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.14% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
36 Month CD
$1,000
3.65%
▲ 1.00% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
36 Month CD
$0
3.65%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month CD
$1,000
3.65%
▲ 1.00% above national avg
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.00% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
2711 W 15TH AVE, EMPORIA, KS 66801
36 months
$500
3.64%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
FNB of Hope
Institution Rating:
D3.4 ★Texas Ratio: 34.15%
112 N Main St, Hope, KS 67451
36-Month Fixed Rate
$0
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
3 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
3 Years
$1,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
36 Month
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
3 Years
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
3 Year
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
36 Month Jump Rate
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
36 month
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
Business 36 Month
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
3 Year CD
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month CD
$0
3.34%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month IRA CD
$0
3.34%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
7240 STATE AVE, KANSAS CITY, KS 66112
36 Month
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 3 Years
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
3 Year IRA/Share Certificate
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - 36 month term
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 3 Years
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
36 months
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month CD
$0
3.19%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month IRA CD
$0
3.19%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month IRA CD
$0
3.14%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
36 Month CD
$0
3.09%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
36 Month CD
$500
3.05%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3030 N Rock Rd, Wichita, KS 67226
36 months
$500
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
36 Month
$500
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
IRA Certificate 36 Month
$500
3.03%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
117 S Union St, Mc Louth, KS 66054
3 year
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
3 year
$500
3.00%
▲ 0.35% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
912 N ARCHER AVE, NORTON, KS 67654 1404
36 Months
$1,000
3.00%
▲ 0.35% above national avg
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4 Cessna Blvd, Wichita, KS 67215 1423
36 Months
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
106 N Main St, Johnson, KS 67855
IRA Certificate of Deposit 3 years
$100
2.92%
▲ 0.27% above national avg
▼
Rate2.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.27% above avg
Details
Compounding Frequency: Semi-annually
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
36 Month
$0
2.91%
▲ 0.26% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.26% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 36 Month
$0
2.91%
▲ 0.26% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.26% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 36 Month
$0
2.91%
▲ 0.26% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.26% above avg
Details
$0 - $9,999.99
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
817 Topeka Ave, Lyndon, KS 66451
3 Year
$100
2.78%
▲ 0.13% above national avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.13% above avg
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1 N Main St, Hutchinson, KS 67501
IRA CD 3 year
$1,000
2.77%
▲ 0.12% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.12% above avg
Details
Compounding Frequency: Semi-Annually
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3510 W 95th St, Leawood, KS 66206
3 year Personal CD
$1,000
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Open Online
Kansas 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
48 Month
$500
4.25%
▲ 1.59% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 48 Month
$500
4.25%
▲ 1.59% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
3710 Sw Topeka Blvd, Topeka, KS 66609
48-Month CD
$1,000
4.20%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.54% 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: 0.00%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA - Jumbo
$0
4.04%
▲ 1.38% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.38% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
4 Year
$0
3.83%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.17% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA
$0
3.79%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.13% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 48 Month CD or IRA
$500
3.79%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.13% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
48 Month CD
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
48 Month Adjustable Rate IRA
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 1.09% above avg
Details
Interest Compounded: Quarterly
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
48 Month CD
$1,000
3.65%
▲ 0.99% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
48-Month CD
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
48 month
$0
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
Business 48 Month
$0
3.56%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
48 Month Jump Rate
$0
3.55%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
4 Years
$1,000
3.55%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month CD
$1,000
3.55%
▲ 0.89% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
4 Years
$1,000
3.50%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
4 Year
$500
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
48 Month
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$0
3.39%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.73% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month IRA CD
$0
3.39%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.73% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$0
3.33%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.67% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month IRA CD
$0
3.33%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.67% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
4 Year Certificate (with Rate Protection)
$2,000
3.25%
▲ 0.59% above national avg
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 4 Years
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 4 Years
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month CD
$0
3.23%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.57% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
48 Month IRA CD
$0
3.23%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.57% above avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
502 N Merchant St, Belle Plaine, KS 67013
4 Year CD
$500
3.20%
▲ 0.54% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
4 Year CD
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
4 Year IRA/Share Certificate
$0
3.10%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3030 N Rock Rd, Wichita, KS 67226
48 months
$500
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
48 Month
$500
3.03%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
IRA Certificate 48 Month
$500
3.03%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details
First National Bank in Fredonia
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
730 Madison St, Fredonia, KS 66736
48 Month Fixed CD
$500
3.03%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.37% above avg
Details
Annual Percentage Yield (APY) is accurate as of 09/19/2024 and may change without notice. Minimum balance to open the account and maintain the stated APY is $500. Early withdrawal penalty applies. Fees and withdrawals may reduce earnings. CDs renew automatically into the same Term CD.
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
117 S Union St, Mc Louth, KS 66054
4 year
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
4 year
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
13001 W 95th St, Lenexa, KS 66215 3726
Share & IRA Certificates - 48 month term
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4 Cessna Blvd, Wichita, KS 67215 1423
48 Months
$0
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
48 months
$0
2.99%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.33% above avg
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
106 N Main St, Johnson, KS 67855
IRA Certificate of Deposit 4 years
$100
2.93%
▲ 0.27% above national avg
▼
Rate2.91%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.27% above avg
Details
Compounding Frequency: Semi-annually
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
48 Month
$0
2.91%
▲ 0.25% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.25% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 48 Month
$0
2.91%
▲ 0.25% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.25% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 48 Month
$0
2.91%
▲ 0.25% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.25% above avg
Details
$0 - $9,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
48-month term Standard CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
48-month term Standard CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
48-month term Standard IRA CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
48-month term Standard IRA CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
Standard IRA CDs 48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Kansas 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
502 N Merchant St, Belle Plaine, KS 67013
60 Month CD
$500
4.22%
▲ 1.46% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.46% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
60 Month CD or IRA - Jumbo
$0
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.28% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
60 Month CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
5 Year
$0
3.83%
▲ 1.07% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 1.07% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
60 Month CD or IRA
$0
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.03% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
Business 60 Month CD or IRA
$500
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.03% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY**
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
60 month
$0
3.66%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.90% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
610 SW 10th Ave, Topeka, KS 66612
Business 60 Month
$0
3.66%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.90% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
60 Month CD
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
60 Month Jump Rate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
60-Month CD
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
122 W Main St, Mulvane, KS 67110
5 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
5 Years
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33485 Lexington Ave, De Soto, KS 66018
60 Months
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Compounded Quarterly
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
5 Year Certificate
$2,000
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10526 W Maple St, Wichita, KS 67209
5 Years
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
60 Month
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
3626 SW Wanamaker Rd, Topeka, KS 66614 4528
Business Certificates 60 Month
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
7721 W 123rd St, Overland Park, KS 66213 1303
5 Year
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
60 Month CD
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
223 S Main St, Pratt, KS 67124
5 Year CD
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$0
3.44%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.68% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.44%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.68% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
10910 W 87th St, Lenexa, KS 66214 1603
60 Month
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month CD
$0
3.39%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.63% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
60 Month IRA CD
$0
3.39%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.63% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
2830 Ohio St, Augusta, KS 67010 2361
Term Share : 5 Years
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
7260 W 135th St, Overland Park, KS 66223
Premier CD - 5 Years
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
5 Year IRA/Share Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
6860 W 115th St, Overland Park, KS 66211 2457
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3030 N Rock Rd, Wichita, KS 67226
60 months
$500
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
60 Month
$500
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.27% above avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
IRA Certificate 60 Month
$500
3.03%
▲ 0.27% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.27% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3675 74th St, Meriden, KS 66512
5 year
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
FNB of Kansas
Institution Rating:
A+5.0 ★
600 N 4th St, Burlington, KS 66839
60 Month
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
100 S 4th St, Leavenworth, KS 66048
5 Year Certificate
$2,000
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
7240 STATE AVE, KANSAS CITY, KS 66112
60 Month
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
5-year minimum deposit = $5,000
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
4 Cessna Blvd, Wichita, KS 67215 1423
60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
8615 W Frazier Ln, Wichita, KS 67212 3834
60 months
$0
2.99%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.23% above avg
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
601 S Main St, Hugoton, KS 67951
5 Years
$500
2.96%
▲ 0.20% above national avg
▼
Rate2.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.20% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
60 Month
$0
2.91%
▲ 0.15% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.15% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Business Certificates of Deposit (CDs) 60 Month
$0
2.91%
▲ 0.15% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.15% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Certificates of Deposit (CDs) 60 Month
$0
2.91%
▲ 0.15% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.15% above avg
Details
$0 - $9,999.99
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MonitorBankRates
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
2.833%
▲ 0.251 vs 7 days ago
Kansas 12-month CD rates rose 0.251 points over the past 7 days to 2.833% APY.
6-Month CD — KS Avg
2.672%
▲ 0.108 vs 7 days ago
Kansas 6-month CD rates rose 0.108 points over the past 7 days to 2.672% APY.
As of Sep 2, 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
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
Powered by
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What Your Savings Earn at KS CD Rates Today
Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.
| CD Term | KS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
716
CD Rates
Tracked in Kansas
Tracked in Kansas
69 Banks
32 Credit Unions
About Our Kansas CD Rate Database
MonitorBankRates tracks 716 CD rates from 69 banks and 32 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 32 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 — 101 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
$122/yr
At KS 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $122 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 Kid's Certificates 6 Month at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, The Valley State Bank is offering its 60 Month CD at 4.22% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Kansas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Kansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Kansas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Kansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Kansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Kansas
Are CD rates in Kansas FDIC insured?
Yes, most established banks in Kansas are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Kansas?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Kansas.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Kansas may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Kansas?
Here are recent top rates found for this area:
- Topeka Police Credit Union: 5.00% APY (Kid's Certificates 6 Month)
- Farmers and Merchants Bank Milligan, NE: 4.27% APY (24 Month CD)
- Envista Federal Credit Union: 4.25% APY (36 Month)
- The Valley State Bank: 4.22% APY (60 Month CD)
- Capitol Federal Savings Bank: 4.20% APY (48-Month CD)
- First Federal Bank of Kansas City: 4.15% APY (36-Month CD)
- Argentine Federal Savings: 4.08% APY (6 Month CD)
- Carson Bank: 4.06% APY (Business 180 Day Certificate)
- Omb Bank: 4.05% APY (3-Month)
- Mid-America Bank: 4.04% APY (1 Year CD or IRA - Jumbo)
Rates reflect recent verified offers available in Kansas. Last Updated: September 1, 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
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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 1.964% (3-month) to 2.655% (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 2.833% 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 1, 2026
Cities in Kansas
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