Emporia, Kansas (KS) Savings Rates - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Emporia, Kansas and the surrounding area include Capitol Federal Savings BankCapitol Federal Savings Bank602 Commercial St, Emporia, KS 66801A+5.0 ★Texas Ratio: 1.06%Real return: +0.90%APY minus 2.8% CPI (February 2026) eSavings at 3.70% APY, Credit Union of Emporia Credit UnionCredit Union of Emporia Credit Union2711 W 15TH AVE, EMPORIA, KS 66801A+5.0 ★Texas Ratio: 2.17%Real return: -0.80%APY minus 2.8% CPI (February 2026) Maxi Shares at 2.00% APY, Community National Bank & TrustCommunity National Bank & Trust1440 Industrial Rd, Emporia, KS 66801A5.0 ★Texas Ratio: 6.71%Real return: -0.89%APY minus 2.8% CPI (February 2026) Platinum Savings Account at 1.91% APY, ESB FinancialESB Financial801 Merchant St, Emporia, KS 66801C+4.1 ★Texas Ratio: 25.76%Real return: -2.35%APY minus 2.8% CPI (February 2026) Savings, Super Hero, and Christmas Savings Accounts at 0.45% APY, and Emporia State Federal Credit UnionEmporia State Federal Credit Union310 W 12th Ave, Emporia, KS 66801A+5.0 ★Texas Ratio: 4.86%Real return: -2.55%APY minus 2.8% CPI (February 2026) Regular Savings at 0.25% APY.
Emporia has 14 local institutions in our database, with savings rates as high as 3.70% APY from Capitol Federal Savings Bank at 602 Commercial St, Emporia, KS 66801. Use the table below to compare all available offers, including options from institutions serving the broader Kansas area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Emporia, Kansas and the surrounding area. Last Updated and Verified: April 19, 2026
Compare the Best Savings Rates in Emporia, Kansas & Surrounding Communities
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.
Dividends Paid Quarterly
Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $2,500.00
Qualifying balance up to $500.00
Intro rate subject to change
Free eStatements; Free Online Banking; Free Mobile Deposits
Qualifications Required: POS transaction requirements met; Qualifying balance up to $100,000.00
In Branch Only
In Branch Only
Qualifications Required: Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.; Qualifying balance up to $50,000.00
*Special terms and conditions apply*
Rounds up debit card transactions and share drafts (checks)
In Branch Only
On balances above $25,000 and up to $50,000
In Branch Only
On balances up to $25,000
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.
Emporia, KS Savings Rate Trends
Compare local Emporia, KS savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kansas high-yield savings rates rose 0.236 points over the past 7 days to 2.790% APY, up from 2.553%.
Kansas standard savings rates rose 0.040 points over the past 7 days to 1.035% APY, up from 0.996%.
Emporia, Kansas Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current KS high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings 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 savings average of 2.790% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 Emporia, Kansas.
Savings Account Earnings in Emporia, Kansas
Annual interest earnings at current KS average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.790% APY) | Monthly Earnings | Standard Savings (1.035% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $139.49 / year | $11.62 | $51.77 / year | $4.31 |
| $10,000 | $278.97 / year | $23.25 | $103.54 / year | $8.63 |
| $25,000 | $697.43 / year | $58.12 | $258.85 / year | $21.57 |
| $50,000 | $1,394.85 / year | $116.24 | $517.70 / year | $43.14 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Emporia, Kansas savings rate averages as of April 20, 2026. | ||||
About Our Emporia, Kansas Savings Rate Database
MonitorBankRates found 5 institutions with branches in Emporia (3 banks, 2 credit unions), plus 25 additional state-chartered and national online institutions available to Emporia 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: Capitol Federal Savings Bank offers a savings account at 3.70% APY. Use the rate table above to compare all current offers in Emporia, Kansas.
How to Find the Best Savings Rates in Emporia, Kansas
What to compare when shopping for a savings account in Emporia, Kansas
To find the best savings APYs in Emporia, Kansas, start with credit unions and online-only banks — Emporia, Kansas has 15 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current KS high-yield savings average is 2.790% — but top local institutions are offering as high as 3.70%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Emporia, Kansas high-yield savings rates currently average 2.790% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Emporia, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 30 institutions in Emporia, Kansas report savings 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 → Emporia, Kansas CD rates
- You want check-writing flexibility → Emporia, Kansas money market rates
- You need daily transaction access → Emporia, Kansas checking rates
Emporia, Kansas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
14.1% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.0% reflects a strong local economy with solid savings capacity. At today’s KS high-yield savings average of 2.790%, saving 10% of the local median salary ($2,863/year) would earn an additional $80 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Emporia, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Emporia, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 2.790% | 1.035% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Emporia, Kansas averages tracked in our database as of April 20, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Emporia, Kansas
At KS’s top rate of 3.70% from Capitol Federal Savings Bank, a $10,000 deposit earns $370 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Emporia, Kansas earner is roughly $7,200. At 2.790% APY, saving $600/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsKansas’s high-yield savings average is 2.790% APY — variable and always accessible. 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 Emporia, Kansas earner makes $28,635/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 2.790% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.790% APY grows to roughly $43,344 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Emporia, 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 savings 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 Emporia, Kansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Emporia, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Emporia, Kansas safe?
How often do savings rates change in Emporia, Kansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Emporia, Kansas?
How do I open a savings account in Emporia, Kansas?
Best Savings Rates in Emporia, Kansas
- Capitol Federal Savings Bank
eSavings — 3.70% APY - Credit Union of Emporia Credit Union
Maxi Shares — 2.00% APY - Community National Bank & Trust
Platinum Savings Account — 1.91% APY - ESB Financial
Savings, Super Hero, and Christmas Savings Accounts — 0.45% APY - Emporia State Federal Credit Union
Regular Savings — 0.25% APY
