Wichita, Kansas Money Market Rates - October 2026
Brian McKay
Brian McKay
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Wichita, Kansas money market account rates range from 0.05% to 4.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Wichita, Kansas and the surrounding area money market deposit account rates include Brilliant BankBrilliant Bank7701 E Kellogg Dr, Wichita, KS 67207A5.0 ★Texas Ratio: 6.60%Real return: +1.20%APY minus 2.8% CPI (February 2026) Surge Money Market at 4.00% APY, Meritrust Credit UnionMeritrust Credit Union4510 E 19th St N, Wichita, KS 67208 1654A+5.0 ★Texas Ratio: 4.29%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Including Business and IRA at 4.00% APY, Sunflower BankSunflower Bank2073 N Webb Rd, Wichita, KS 67206A5.0 ★Texas Ratio: 10.77%Real return: +0.72%APY minus 2.8% CPI (February 2026) Thrive Money Market at 3.52% APY, Heartland Credit Union Hutchinson, KSHeartland Credit Union Hutchinson, KS3777 N Maize Rd, Wichita, KS 67205A5.0 ★Texas Ratio: 9.12%Real return: +0.70%APY minus 2.8% CPI (February 2026) Business Money Market at 3.50% APY, and Mid American Credit UnionMid American Credit Union8404 W Kellogg Dr, Wichita, KS 67209 1845A+5.0 ★Texas Ratio: 4.51%Real return: +0.20%APY minus 2.8% CPI (February 2026) Premier Money Market at 3.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Wichita has 18 local institutions in our database, with money market rates as high as 4.00% APY from Brilliant Bank at 7701 E Kellogg Dr, Wichita, KS 67207. Use the table below to compare all available offers, including options from institutions serving the broader Kansas area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Wichita, Kansas and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Wichita, Kansas & the Surrounding Area
Brilliant Bank's Surge Money Market is a variable rate money market with initial Annual Percentage Yield available for new depositors only. APY accurate as of website publication and subject to change. Fees may reduce earnings. Rates and Annual Percentage Yields displayed are unavailable in Nebraska, Kansas, Missouri, Oklahoma and Arkansas.
Balance: $0.00 - $2,000
Balance: $0.00 - $2,000; Dividends paid monthly; Checks available; Limit 1 reverse tiered money market account per primary owner
Balance: $24,999.00 & Below
- Oct 7, 20263.52%▲ from 3.02%
- Oct 2, 20263.02%▼ from 3.52%
- Sep 24, 20263.52%▲ from 3.02%
- Sep 18, 20263.02%▼ from 3.05%
Balance: $1,000,000 and over
Balance: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
Balance: $200,000 and Up; Available to checking account members or to members adding $25,000 in new money
Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $200,000 and up; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly
Balance: $1,000,000 and greater
Balance: $1,000,000+
Balance: $1,000,000 and over
Balance: $250,000 and over; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Up to 2.25% APY; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $100,000- $499,999
- Oct 7, 20262.15%▲ from 2.05%
- Sep 27, 20262.05%first recorded
Balance: $100,000 or more
- Oct 7, 20262.15%▲ from 2.05%
- Sep 18, 20262.05%first recorded
Balance: $50,001 +
Balance: $500,000 - $999,999
Balance: $500,000 - $999,999
Balance: $100,000.00 - $249,999.99; Minimum deposit required to open an account is $100,000; Dividends paid at tier rates on balances over $100,000 within each tier; Membership required
Balance: $50,000 - $199,999; Available to checking account members or to members adding $25,000 in new money
Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $50,000 - $199,999; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly
Balance: $50,000+
Balance: $250,000
Balance: $10,000-$49,999
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999
Balance: $50,000 - $99,999
- Oct 7, 20261.65%▲ from 1.55%
- Sep 27, 20261.55%first recorded
Balance: $50,000 - $99,999
- Oct 7, 20261.65%▲ from 1.55%
- Sep 27, 20261.55%first recorded
Balance: $5,000-$9,999
Balance: $2,000-$4,999
Balance: $200,000 - $749,999.99
Balance: $25,001 - $50,000
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $100,000 +; Dividends paid monthly; Dividends earned on Average Daily Balance; Minimum Average Daily Balance of $500 to receive dividends
Balance: $0 - $24,999
- Oct 7, 20261.45%▲ from 1.40%
- Sep 27, 20261.40%first recorded
Balance: $0 - $4,999
- Oct 7, 20261.45%▲ from 1.40%
- Sep 27, 20261.40%first recorded
Balance: $50,000 - $99,999
Balance: $50,000 - $99,999
Balance: $10,000 - $49,999
Balance: $10,000 - $49,999
Balance: $2,500 - $4,999
Balance: $2,500 - $4,999
Balance: $200,000 - $999,999.99
Balance: $50,000 - $99,999
Balance: $50,000 - $99,999
Balance: $100,000 - $199,999.99
Balance: $50,000 - $199,999.99
Balance: $5,001-$10,000
Balance: $25,000 - $49,999
Balance: $25,000 - $49,999
Balance: $50,000 - $99,999.99; Dividends paid monthly; Dividends earned on Average Daily Balance; Minimum Average Daily Balance of $500 to receive dividends
Balance: $1,000 - $5,000
Balance: $200,000
Balance: $100,000 to $199,999.99
Balance: $2,500 - $99,999.99
Balance: Over $100,000
Balance: $0-$99,999.99
Balance: $0.00 - $49.999.99
Balance: $25,000
Balance: $5,000 - $49,999.99; Dividends paid monthly; Dividends earned on Average Daily Balance; Minimum Average Daily Balance of $500 to receive dividends
Balance: Over $100,000
Balance: Over $50,000
Balance: $25,000 to $49,999.99
Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000
Published APY range: 0.40% to 0.99%. Balance: $10,000.01 - $50,000; Dividends paid monthly; Checks available; Limit 1 reverse tiered money market account per primary owner
Balance: $500 - $4,999,99; Dividends paid monthly; Dividends earned on Average Daily Balance; Minimum Average Daily Balance of $500 to receive dividends
Balance: $10,000
Balance: Over $10,000
Balance: Over $2,500
Minimum balance required to earn dividends and/or avoid monthly fees; Effective date: 9/16/2025
Balance: $1,000,000 and up; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly
- Oct 13, 20260.30%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $1,000,000 and up; Dividends paid monthly
Balance: Over $50,000
Balance: $1,000 to $9,999.99
Balance: $2,500
Balance: $500,000 - $999,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly
- Oct 13, 20260.25%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $500,000 - $999,999; Dividends paid monthly
Balance: $100,000 - $499,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly
- Oct 13, 20260.20%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $0 - $49,999; Available to checking account members or to members adding $25,000 in new money
Minimum: $1000 (members with a checking account) or $25,000 in new money; Balance: $0 - $49,999; Available to members with a checking account or who deposit a minimum of $25,000 in new money; Dividends calculated and paid monthly
Balance: $100,000 - $499,999; Dividends paid monthly
Balance: $5,000 - $49,999
Balance: $1,000 or more
Balance: $50,000 - $99,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly
- Oct 13, 20260.15%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $50,000 - $99,999; Dividends paid monthly
Balance: $0 - $4,999
Balance: $10,000 - $49,999; No minimum balance required for APY on Business Money Market; Dividends calculated daily and paid monthly
- Oct 13, 20260.10%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $10,000 - $49,999; Dividends paid monthly
Balance: $0.01 - $999
Balance: $10,000 - $24,999
Balance: $10,000 - $24,999
Balance: $5,000,000.00 and greater
Balance: Paid on balances $1,000,000.00 to $2,999,999.99
Balance: $1MM+
Introductory rate for 6 months. New money to Academy Bank required. Maximum deposit eligible for promotional rate is $3,000,000. Monthly service charge of $10 applies if minimum balance of $1,000 is not maintained.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Wichita, KS Money Market Rate Trends
Compare local Wichita, KS money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Kansas high-yield MMA rates fell 0.030 points over the past 7 days to 3.137% APY.
Kansas standard MMA rates rose 0.001 points over the past 7 days to 0.850% APY.
Wichita, Kansas Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current KS high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current KS high-yield money market average of 3.137% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Wichita, Kansas.
Money Market Account Earnings in Wichita, Kansas
Annual interest earnings at current KS average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.137% APY) | Monthly Earnings | Standard MMA (0.850% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $313.66 / year | $26.14 | $84.96 / year | $7.08 |
| $25,000 | $784.15 / year | $65.35 | $212.40 / year | $17.70 |
| $50,000 | $1,568.30 / year | $130.69 | $424.80 / year | $35.40 |
| $100,000 | $3,136.60 / year | $261.38 | $849.60 / year | $70.80 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Wichita, Kansas money market rate averages as of October 14, 2026. | ||||
About Our Wichita, Kansas Money Market Rate Database
MonitorBankRates found 18 institutions with branches in Wichita (11 banks, 7 credit unions), plus 19 additional state-chartered and national online institutions available to Wichita residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Brilliant Bank offers a money market account at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Wichita, Kansas.
How to Find the Best Money Market Rates in Wichita, Kansas
What to compare when shopping for a money market account in Wichita, Kansas
To find the best money market APYs in Wichita, Kansas, start with credit unions and online-only banks: Wichita, Kansas has 13 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current KS high-yield money market average is 3.137% but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Wichita, Kansas high-yield money market rates currently average 3.137% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Wichita, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 37 institutions in Wichita, Kansas report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Wichita, Kansas CD rates
- You don’t need check writing and want a lower minimum Wichita, Kansas savings rates
- You need daily transaction access Wichita, Kansas checking rates
Wichita, Kansas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
15.7% of residents are 65 or older, below the national average of 17.3%. At today’s KS high-yield money market average of 3.137%, saving 10% of the local median salary ($3,871/year) would earn an additional $121 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Wichita, Kansas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Wichita, Kansas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 3.137% | View Savings Rates | 0.850%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Wichita, Kansas averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Wichita, Kansas Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Wichita, Kansas rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Wichita, Kansas
At KS’s top money market rate of 4.00% from Brilliant Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Wichita, Kansas earner is roughly $9,700. At 3.137% APY in a money market account, saving $810/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountKansas’s high-yield money market average is 3.137% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Wichita, Kansas earner makes $38,715/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.137% APY.
Retirement PlannerA $25,000 money market balance earning 3.137% APY grows to roughly $46,366 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wichita, Kansas money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Wichita, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Wichita, Kansas. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Wichita, Kansas
What is a Money Market Account (MMA)?
Are Money Market accounts in Wichita, Kansas safe?
How often do MMA rates change in Wichita, Kansas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Wichita, Kansas?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Wichita, Kansas for money market accounts?
Best Money Market Rates in Wichita, Kansas
- Brilliant Bank
Surge Money Market: 4.00% APY - Meritrust Credit Union
Money Market Including Business and IRA: 4.00% APY - Sunflower Bank
Thrive Money Market: 3.52% APY - Heartland Credit Union Hutchinson, KS
Business Money Market: 3.50% APY - Mid American Credit Union
Premier Money Market: 3.00% APY
Wichita, Kansas Rates & Resources
