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Florence, Kansas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Florence, Kansas CD rates include Skyward Credit UnionSkyward Credit UnionA+5.0 ★Texas Ratio: 4.13%Real return: +2.20%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 5.00% APY, Topeka Police Credit UnionTopeka Police Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +2.20%APY minus CPI (February 2026) offering Kid's Certificates - 6 Month at 5.00% APY, Topeka Firemens Credit UnionTopeka Firemens Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.75%APY minus CPI (February 2026) offering 1 Year Share Certificates at 4.55% APY, Grant County BankGrant County BankA5.0 ★Texas Ratio: 10.01%Real return: +1.68%APY minus CPI (February 2026) offering 5 Year Certificates of Deposit (CDs) at 4.48% APY, and Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 1.40%Real return: +1.57%APY minus CPI (February 2026) offering 36 Month Certificate of Deposit at 4.37% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Florence is a smaller community with no bank or credit union branches currently in our database. 771 institutions serving the Kansas area are available to Florence residents, with CD rates as high as 5.00% APY from Skyward Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Florence, Kansas & the Surrounding Area
Florence 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate of Deposit
$0
4.06%
▲ 2.00% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.00% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3-Month Certificate
$0
4.05%
▲ 1.99% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.99% above avg
Details
Compounding: At maturity. Availability: Open Online
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3-Month Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
No minimum deposit.
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.94% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
3 Month CD
$1,000
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.74% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month Certificate
$0
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.74% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)
$100
3.79%
▲ 1.73% above national avg
▼
Rate3.74%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)
$100
3.69%
▲ 1.63% above national avg
▼
Rate3.64%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.63% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month CD
$1,000
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month IRA CD
$1,000
3.60%
▲ 1.54% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
3.45%
▲ 1.39% above national avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.39% above avg
Details
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3 Month Share Certificate
$0
3.29%
▲ 1.23% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.23% above avg
Details
($2,500.00 minimum)
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificate of Deposit
$500
3.25%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
3 Month Regular Certificate
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
90-day CD
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
90 Day Share Certificate of Deposit
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.97%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$0
2.90%
▲ 0.84% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.84% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$500
2.75%
▲ 0.69% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Months CD
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.44% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate of Deposit
$1,000
2.50%
▲ 0.44% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.44% above avg
Details
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CDs greater than or equal to
$0
2.43%
▲ 0.37% above national avg
▼
Rate2.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.37% above avg
Details
$100,000; Compounding: Quarterly
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD's equal to to $99,999
$0
2.38%
▲ 0.32% above national avg
▼
Rate2.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.32% above avg
Details
$50,000; Quarterly compounding. **
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Regular Certificate of Deposit - 3 Months
$500
2.37%
▲ 0.31% above national avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.31% above avg
Details
Compounded: At Maturity
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD's equal to to $49,999
$0
2.33%
▲ 0.27% above national avg
▼
Rate2.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.27% above avg
Details
$25,000
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD's equal to to $24,999
$0
2.28%
▲ 0.22% above national avg
▼
Rate2.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.22% above avg
Details
$1000
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Certificate of Deposit
$5,000
2.02%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.04% below avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
3 Month Share Certificate
$1,000
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 0.06% below avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.06% below avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Share Certificate
$0
2.00%
▼ 0.06% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.06% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$75,000
1.81%
▼ 0.25% below national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.25% below avg
Details
Balance: > $75,000
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Month Certificate of Deposit
$1,000
1.65%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3-month IRA Certificate of Deposit
$1,000
1.65%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
Early withdrawals prior to 59 1/2 years of age are subject to the IRS 10% penalty. Traditional IRAs require income taxes to be paid upon withdrawal. For more information on penalties and penalty exceptions, contact out Customer Care team at (636) 940-5555 .
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
IRA Certificates of Deposit - 3-month
$1,000
1.65%
▼ 0.41% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.41% below avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Month CD
$1,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.50% below avg
Details
Rates are effective as of February 3, 2026.
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Month Certificate of Deposit
$1,000
1.56%
▼ 0.50% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.50% below avg
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3 Month CD
$1,000
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.55% below avg
Details
Compounding Frequency: Quarterly
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★Texas Ratio: 0.04%
3 month CD
$1,000
1.51%
▼ 0.55% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.55% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$25,000
1.51%
▼ 0.55% below national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.55% below avg
Details
Balance: $25,000 - $75,000
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3-Month CD
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.56% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$250
1.31%
▼ 0.75% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.75% below avg
Details
Balance: $250 - $25,000
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3 Month Certificate
$500
1.00%
▼ 1.06% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.06% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Business CD
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day CD
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Certificate
$1,500
0.90%
▼ 1.16% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.16% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
90 Day Certificate
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
90 Days CD
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
90 Days Certificate Of Deposit
$0
0.75%
▼ 1.31% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 1.31% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
3 Month CD
$1,000
0.70%
▼ 1.36% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.36% below avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
3 Month Business Certificates of Deposit (CDs)
$0
0.66%
▼ 1.40% below national avg
▼
Rate0.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.40% below avg
Details
Florence 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Kid's Certificates - 6 Month
$0
5.00%
▲ 2.23% above national avg
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 2.23% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
6 Month Share Certificates
$0
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month CD
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month IRA CD
$1,000
4.15%
▲ 1.38% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.38% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6 Month Certificate
$500
4.10%
▲ 1.33% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.33% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
6 Month Certificate of Deposit
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 Day Business Certificate of Deposit
$1,500
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.29% above avg
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 6 months
$0
4.06%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.29% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
6 Month CD Options
$0
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
6 Month Share Certificate
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.23% above avg
Details
Limited Time 3 Month and 6 Month Share Certificates available on new Certificates. This is a promotional yield of 4.00% APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. "Limited Time 3-Month and 6-Month" Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., "Direct Deposit Bonus" and "Jumbo Certificate" increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity.
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month Certificate of Deposit
$500
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.23% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month Certificate
$0
3.94%
▲ 1.17% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.17% above avg
Details
NBKC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6 Month Personal CD
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.08% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)
$100
3.85%
▲ 1.08% above national avg
▼
Rate3.82%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
6 Month Share Certificates
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.03% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 Month Certificate of Deposit
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
3.80%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.03% above avg
Details
APY effective as of July 1, 2026. Balance: $10,000.00 and up
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month CD
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.03% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Term Share : 6 Months
$0
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.03% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificate
$0
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Interest Paid: Semi-Annually
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)
$100
3.75%
▲ 0.98% above national avg
▼
Rate3.72%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Special Share Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.98% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $75,000+
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificate
$0
3.68%
▲ 0.91% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.91% above avg
Details
Interest Paid: Semi-Annually
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
6-month CD
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
New Money; Open now; Open in branch
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Rates are effective as of February 3, 2026.
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.88% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.88% above avg
Details
Balance: $1,000 and over
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Share Certificate
$0
3.63%
▲ 0.86% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.86% above avg
Details
($2,500.00 minimum)
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CDs and IRAs (personal) - 6 month
$500
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
Interest Compounded: Quarterly
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month CD Special
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Preferred Certificates of Deposit (CD)
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $25,000.00-$74,999.99
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - SPECIAL 180 Day CD
$1,500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.78% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
6 Month Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.53%
▲ 0.76% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate
$2,500
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.76% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Certificates of Deposit (CD)
$0
3.51%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.74% above avg
Details
Balance: $500.00-$24,999.99
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
6-month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
New Money; Open now; Open in branch
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
180-day CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6-Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.73% above avg
Details
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.16%
6-Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details
APY = Annual Percentage Yield
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Rates shown include all available bonuses.
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
6 Month Classic CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Special Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Florence 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
12-Month IRA Certificate
$0
5.00%
▲ 2.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 2.05% above avg
Details
IRA Certificates are subject to IRS rules and annual contribution limits. Please consult your tax advisor for guidance on tax-related matters.
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificates
$0
4.55%
▲ 1.60% above national avg
▼
Rate4.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.60% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month IRA Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
12 Month Share Certificates
$0
4.20%
▲ 1.25% above national avg
▼
Rate4.14%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.25% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate of Deposit
$0
4.16%
▲ 1.21% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.21% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 1 Year CD or IRA - Jumbo
$500
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Jumbo
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
12 Month Certificate
$0
4.04%
▲ 1.09% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.09% above avg
Details
Interest Paid: Semi-Annually
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
12 Month Certificate
$500
4.01%
▲ 1.06% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.06% above avg
Details
Dickinson County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
12 Month Spring CD Special
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
12 Month CD Options
$0
4.00%
▲ 1.05% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate Special
$100,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Compounded Quarterly
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate Special
$10,000
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Special Share Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $75,000+
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Variable Rate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 1 Year Variable Rate
$100
3.97%
▲ 1.02% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.02% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Year Certificate
$0
3.96%
▲ 1.01% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.01% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month IRA CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.00% above avg
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
12 Month Certificate
$0
3.94%
▲ 0.99% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.99% above avg
Details
Interest Paid: Semi-Annually
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1 Year Share Certificate
$500
3.90%
▲ 0.95% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Rates shown include all available bonuses.
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
12 Month Jumbo Certificate
$50,000
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
$50,000 to open
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Preferred Certificates of Deposit (CD)
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.95% above avg
Details
Balance: $25,000.00-$74,999.99
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Variable Rate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 1 Year Variable Rate
$100
3.87%
▲ 0.92% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.92% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
12 Month Certificate of Deposit
$1,000
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.90% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.90% above avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
12 Month IRA Certificate Term
$500
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.90% above avg
Details
Variable rate is based on the 91 Day Treasury Bill. This rate can be adjusted monthly and has a guaranteed minimum rate of 3.610% APR with an APY of 3.680% (effective 4/1/2026 - 3/31/2027). 13 week Treasury Bill = 3.780% 26 week Treasury Bill = 3.890%
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1 Year Certificate
$1,000
3.82%
▲ 0.87% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.87% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
12 Month Share Certificates
$500
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.85% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
1 Year Certificate
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
12-Month CD
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.85% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Term Share : 1 Year
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
12 Month Jumbo Certificate
$25,000
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
$25,000 to open
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premier CD - 1 Year
$0
3.80%
▲ 0.85% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Certificates of Deposit (CD)
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
Balance: $500.00-$24,999.99
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA
$500
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 1 Year CD or IRA
$500
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
FSB of Aliceville, Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
CD - 1 year
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.84% above avg
Details
Elevate Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1 YEAR CD
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.84% above avg
Details
Compounding Frequency: SEMI ANNUALLY
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
12 Month CD
$500
3.77%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.82% above avg
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.56%
12 Month Certificate of Deposit
$500
3.75%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.80% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Year Certificate
$2,000
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Jumbo 12 Months Certificate
$100,000
3.75%
▲ 0.80% above national avg
▼
Rate3.75%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 0.80% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Special Share Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.80% above avg
Details
Florence 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18-Month Certificate
$0
4.31%
▲ 1.49% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.49% above avg
Details
Compounding: Quarterly. Availability: Open Online
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Jumbo 18 Months Special Certificate
$100,000
4.25%
▲ 1.43% above national avg
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.43% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month IRA Certificates
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
18 Month Share Certificates
$0
4.10%
▲ 1.28% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.28% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month Certificates of Deposit (CDs)
$100
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 18 Months
$100
4.07%
▲ 1.25% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.25% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
4.04%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.22% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 18 Month CD or IRA - Jumbo
$500
4.04%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.22% above avg
Details
Jumbo
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
18 Month CD Options
$0
4.01%
▲ 1.19% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 1.19% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Months Special Certificate
$1,000
4.00%
▲ 1.18% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.82%▲ 1.18% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 1.18% above avg
Details
Balance: $75,000+
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month Certificates of Deposit (CDs)
$100
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 18 Months
$100
3.97%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.15% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
18 Month Certificate of Deposit
$1,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.08% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Business Certificates of Deposit (CDs)
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.03% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificates of Deposit (CDs)
$0
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 1.03% above avg
Details
$10,000+
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
18 Month CD
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.98% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
18 Month Certificate
$0
3.80%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.98% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 18 Month CD or IRA
$500
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$1,000
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$1,000
3.79%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.97% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
3.79%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.97% above avg
Details
Variable Rate
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.88% above avg
Details
Balance: $25,000.00-$74,999.99
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
18 Month CD
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
IRA - 18 Month CD
$1,000
3.65%
▲ 0.83% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.83% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
18 Month Variable IRA
$25
3.65%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.83% above avg
Details
Term: 18 Month Variable IRA; Interest Compounded: Quarterly with rates adjusted quarterly
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
18 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
18 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.83% above avg
Details
Balance: $1,000 and over
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1.5 Year Share Certificate
$500
3.60%
▲ 0.78% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Rates shown include all available bonuses.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
18 Month Share Certificate
$0
3.60%
▲ 0.78% above national avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
($500.00 minimum)
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.78% above avg
Details
Balance: $500.00-$24,999.99
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
18 months Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.52%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.74% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
18 Month Certificate
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.73% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18 Month Share and IRA Certificates
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
18 month Share Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Month Certificate
$0
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.68% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.67% above avg
Details
$0 - $9,999.99
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18-Month CD
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.63% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premier CD - 18 Months
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.63% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month CD
$500
3.40%
▲ 0.58% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.58% above avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
18 Month CD
$500
3.35%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.53% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Signature CD
$0
3.35%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.82%▲ 0.53% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month CD
$1,000
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Rates are effective as of February 3, 2026.
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month Certificate of Deposit
$1,000
3.29%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.47% above avg
Details
Florence 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
24 Month Certificate of Deposit
$0
4.27%
▲ 1.43% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.43% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.36% above avg
Details
Balance: $75,000+
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)
$100
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 2 Year
$100
4.18%
▲ 1.34% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.34% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.27% above avg
Details
Balance: $25,000.00-$74,999.99
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)
$100
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 2 Year
$100
4.08%
▲ 1.24% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 24 Month CD or IRA - Jumbo
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
24-Month CD
$0
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.17% above avg
Details
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24 Month CD Special
$5,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.16% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month IRA Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
24 Month Share Certificates
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.16% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Certificates of Deposit (CD)
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 1.16% above avg
Details
Balance: $500.00-$24,999.99
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 Month Certificate of Deposit
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.11% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 Month Business Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24 Month Certificate of Deposit
$0
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
24-Month CD
$1,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Business Certificates of Deposit (CDs)
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates of Deposit (CDs)
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.01% above avg
Details
$10,000+
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
2 Year Certificate
$0
3.83%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.99% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 24 Month CD or IRA
$500
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
24 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
24 month Share Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.91% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 months Certificate
$500
3.64%
▲ 0.80% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.80% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificate of Deposit (Jumbo)
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month IRA Certificate of Deposit
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 and over
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
24 Month Share Certificates
$0
3.56%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.72% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 2 years
$0
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CDs and IRAs (personal) - 2 year
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.66% above avg
Details
Interest Compounded: Quarterly
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2 Year Certificate
$2,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month CD
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
24 Months Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.84%▲ 0.66% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
24 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2 Year Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Rates shown include all available bonuses.
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2 Year Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
24 Month Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$0 - $9,999.99
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
2 Year CD
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.56% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premier CD - 2 Years
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
2 Year Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
24 Month CD
$500
3.35%
▲ 0.51% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.51% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month Jump Rate
$500
3.30%
▲ 0.46% above national avg
▼
Rate3.26%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.46% above avg
Details
Florence 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
36 Month Certificate of Deposit
$0
4.37%
▲ 1.61% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)
$100
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year IRA Certificate
$100
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 3 Year
$100
4.37%
▲ 1.61% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.61% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)
$100
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year IRA Certificate
$100
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 3 Year
$100
4.27%
▲ 1.51% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.51% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Month Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.44% above avg
Details
Balance: $75,000+
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36-Month CD
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.39% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Preferred Certificates of Deposit (CD)
$0
4.11%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.35% above avg
Details
Balance: $25,000.00-$74,999.99
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 36 Month CD or IRA - Jumbo
$500
4.04%
▲ 1.28% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details
Jumbo
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Year Certificate
$2,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificates
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3-Year CD Special
$500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
New money only. Unlimited Additional Deposits. Early withdrawal penalties may apply. Contact TPCU for complete terms and conditions.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Certificates of Deposit (CD)
$0
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details
Balance: $500.00-$24,999.99
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month Share Certificates
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
36 Month IRA Certificates
$0
3.84%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.08% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Year Certificate
$0
3.83%
▲ 1.07% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.07% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 36 Month CD or IRA
$500
3.79%
▲ 1.03% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.03% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Share Certificates
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.00% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
36 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
36 month Share Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month CD
$1,000
3.65%
▲ 0.89% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.89% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month CD
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.89% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
36 Month Companion CD Accounts
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
Interest Compounded: Quarterly
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificate of Deposit (Jumbo)
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month IRA Certificate of Deposit
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000 and over
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 months Certificate
$500
3.64%
▲ 0.88% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.88% above avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
36 Month IRA Certificate Term
$500
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.76%▲ 0.80% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - IRA 3 Year
$50
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.79% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
36 Month Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
36 Month Share Certificates
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.75% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
36 Month Share and IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3 Year Share Certificate
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Rates shown include all available bonuses.
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
3 Year Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.73% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.73% above avg
Details
$10,000+
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Jump Rate
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
36 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
36 Month IRA Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business Certificates - 36 Month
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Sunflower Community Federal Credit Union
Institution Rating:
C-3.7 ★Texas Ratio: 31.02%
36 Month Share Certificates
$500
3.44%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.68% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 Month Share Certificate
$100,000
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
3 Year CD
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.59% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month CD
$75,000
3.34%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.58% above avg
Details
Balance: > $75,000
Florence 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)
$100
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year IRA Certificate
$100
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 4 Year
$100
4.42%
▲ 1.65% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.65% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
48 Month Certificate of Deposit
$0
4.37%
▲ 1.60% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.60% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year IRA Certificate
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 4 Year
$100
4.32%
▲ 1.55% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.55% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Month Certificate
$500
4.25%
▲ 1.48% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.48% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 Month Business Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48 Month Certificate of Deposit
$0
4.20%
▲ 1.43% above national avg
▼
Rate4.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly.
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
48-Month CD
$1,000
4.20%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.43% above avg
Details
Interest compounded daily and paid quarterly. May be subject to early withdrawal penalty. Certain restrictions apply when opening an account online.
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 48 Month CD or IRA - Jumbo
$500
4.04%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.27% above avg
Details
Jumbo
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 Month IRA Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
48 Month Share Certificates
$0
4.00%
▲ 1.23% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.23% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Premium Certificates of Deposit (CD)
$0
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 1.13% above avg
Details
Balance: $75,000+
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
4 Year Certificate
$0
3.83%
▲ 1.06% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.06% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Share Certificates
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.05% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 48 Month CD or IRA
$500
3.79%
▲ 1.02% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 1.02% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
48 Month Certificate
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month CD
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Adjustable Rate IRA
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Term: 48 Month Adjustable Rate IRA; Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Certificate of Deposit
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.98% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details
Interest Compounded: Quarterly
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Preferred Certificates of Deposit (CD)
$0
3.70%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.93% above avg
Details
Balance: $25,000.00-$74,999.99
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$100,000
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.88% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month CD
$1,000
3.65%
▲ 0.88% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.88% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48-Month CD
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificates of Deposit (CD)
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $500.00-$24,999.99
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
48 Month Share Certificates
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.79% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 Month IRA Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business Certificates - 48 Month
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.79% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Jump Rate
$500
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificate of Deposit (Jumbo)
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month IRA Certificate of Deposit
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $1,000 and over
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 Month Share Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.73% above avg
Details
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Months Certificate
$1,000
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Share and IRA Certificates
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4 Year Share Certificate
$500
3.50%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
Rates shown include all available bonuses.
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
48 month Share Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.73% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.72% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.72% above avg
Details
$10,000+
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.68% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month CD
$75,000
3.39%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA CD
$0
3.39%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.62% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month CD
$25,000
3.33%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.56% above avg
Details
Balance: $25,000 - $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA CD
$0
3.33%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.56% above avg
Details
Balance: $25,001 - $75,000
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
48 Month Regular Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.77%▲ 0.53% above avg
Details
Florence 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year Certificates of Deposit (CDs)
$1,000
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year IRA Certificate
$1,000
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 5 Year
$1,000
4.48%
▲ 1.64% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.64% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year Certificates of Deposit (CDs)
$1,000
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year IRA Certificate
$1,000
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 5 Year
$1,000
4.38%
▲ 1.54% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.54% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
60 Month Certificate of Deposit
$0
4.37%
▲ 1.53% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.53% above avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month CD
$500
4.22%
▲ 1.38% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.38% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 60 Month CD or IRA - Jumbo
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$100,000
3.90%
▲ 1.06% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.06% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Share Certificates
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Avg Daily Balance Required to Earn Dividends: $50,000+ Jumbo rate
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month CD
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
5 Year Certificate
$0
3.83%
▲ 0.99% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.99% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 60 Month CD or IRA
$500
3.79%
▲ 0.95% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.95% above avg
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.91% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
60 Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.91% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Certificate of Deposit
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Certificates of Deposit (CDs)
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details
Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Companion CD Accounts
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.86% above avg
Details
Interest Compounded: Quarterly
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.86% above avg
Details
Balance: $75,000+
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
60 Month Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.82% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
60 Month IRA Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.82% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business Certificates - 60 Month
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.82% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month CD
$1,000
3.65%
▲ 0.81% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.81% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Jump Rate
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
60 Month Share Certificates
$0
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.77% above avg
Details
Avg Daily Balance Required to Earn Dividends: $500
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60-Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.76% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Preferred Certificates of Deposit (CD)
$0
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $25,000.00-$74,999.99
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year Certificate of Deposit - IRA
$50
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - IRA 5 Year
$50
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.71% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CD
$75,000
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: > $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month IRA CD
$0
3.55%
▲ 0.71% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: > $75,000
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Certificates of Deposit (CD)
$0
3.51%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.67% above avg
Details
Balance: $500.00-$24,999.99
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Compounded Quarterly
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5 Year Certificate
$2,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.66% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Month Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.66% above avg
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
60 Month Share and IRA Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
5 Year Share Certificate
$500
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Rates shown include all available bonuses.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month Certificate of Deposit (Jumbo)
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $50,000 and over
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.66% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: $1,000 and over
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Business Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificates of Deposit (CDs)
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.65% above avg
Details
$10,000+
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Year CD
$0
3.45%
▲ 0.61% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.61% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CD
$25,000
3.44%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.60% above avg
Details
Balance: $25,000 - $75,000
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month IRA CD
$0
3.44%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.60% above avg
Details
Balance: $25,001 - $75,000
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
5 Year Share Certificate of Deposit
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
60 Month Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.84%▲ 0.56% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CD
$250
3.39%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.55% above avg
Details
Balance: $250 - $25,000
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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.
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Florence, KS CD Rate Trends
Compare local Florence, KS CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD KS Avg
2.952%
▲ 0.030 vs 7 days ago
Kansas 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD KS Avg
2.767%
▲ 0.021 vs 7 days ago
Kansas 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
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What Your Savings Earn at KS CD Rates Today
Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.
| CD Term | KS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Florence, Kansas Savers
$25,000 split equally across 5 terms using today’s Kansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KS Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Kansas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,068
CD Rates
Tracked in Florence, Kansas
Tracked in Florence, Kansas
72 Banks
39 Credit Unions
About Our Florence, Kansas CD Rate Database
MonitorBankRates tracks 1,068 CD rates from 72 banks and 39 credit unions with locations in Florence, 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: Skyward 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 Florence, Kansas.
How to Find the Best CD Rates in Florence, Kansas
What to compare when shopping for a CD in Florence, Kansas
To find the best APYs in Florence, Kansas, start with credit unions and online-only banks: Florence, Kansas has 39 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 Florence, 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 Florence, Kansas: 111 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Florence, 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 Florence, Kansas money market rates
Kansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,089
National avg: $47,340
Poverty Rate
11.3%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$127/yr
At KS 12-mo avg 2.952% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 2.952%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $127 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Florence, 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 Florence, 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 Florence, 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 Florence, Kansas as everywhere in the U.S.
Choosing a CD Term in Florence, 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 Florence, 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, Grant County Bank is offering its 5 Year Certificates of Deposit (CDs) at 4.48% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, Kansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Florence, 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 Florence, Kansas
Are CD rates in Florence, Kansas FDIC insured?
Yes, most established banks in Florence, 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 Florence, 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 Florence, 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 Florence, 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 Florence, Kansas?
Here are recent top rates found for this area:
- Skyward Credit Union: 5.00% APY (12-Month IRA Certificate)
- Topeka Police Credit Union: 5.00% APY (Kid's Certificates - 6 Month)
- Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
- Grant County Bank: 4.48% APY (5 Year Certificates of Deposit (CDs))
- Farmers and Merchants Bank Milligan, NE: 4.37% APY (36 Month Certificate of Deposit)
- Omb Bank: 4.31% APY (18-Month Certificate)
- Emporia State Federal Credit Union: 4.25% APY (Jumbo 18 Months Special Certificate)
- Envista Federal Credit Union: 4.25% APY (36 Month Certificate)
- Campus Credit Union: 4.25% APY (6 Month Share Certificates)
- The Valley State Bank: 4.22% APY (60 Month CD)
Rates reflect recent verified offers available in Florence, Kansas. Last Updated: September 22, 2026
Florence, 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 Florence, Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Florence, Kansas
Florence, 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.
Florence, Kansas CD LadderKS CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Florence, Kansas CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsKansas’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Florence, 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 Florence, 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 Florence, 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 22, 2026
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