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Kansas Savings Rate Trends

Lawrence, Kansas (KS) Savings Rates - March 2026

The best savings rates for Lawrence, Kansas and the surrounding area include Capitol Federal Savings BankCapitol Federal Savings Bank1025 Iowa St, Lawrence, KS 66044A+5.0 ★Texas Ratio: 1.06% eSavings at 3.70% APY, Meritrust Federal Credit UnionMeritrust Federal Credit Union650 Congressional Dr, Lawrence, KS 66049 4869A+5.0 ★Texas Ratio: 4.67% Premium High-Yield Savings at 3.50% APY, Truity Federal Credit UnionTruity Federal Credit Union3400 W 6th St, Lawrence, KS 66049 3215A5.0 ★Texas Ratio: 7.04% Premier Savings at 3.00% APY, Premier Members Credit UnionPremier Members Credit Union650 Congressional Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 4.73% High Yield Savings Account at 2.78% APY, and TriCentury BankTriCentury Bank1444 Kasold Dr, Lawrence, KS 66049A+5.0 ★Texas Ratio: 0.00% High Yield Savings IRA* at 2.75% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Lawrence, Kansas, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Lawrence, Kansas (KS) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Lawrence, Kansas and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Lawrence, Kansas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1025 Iowa St, Lawrence, KS 66044
eSavings
3.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
650 Congressional Dr, Lawrence, KS 66049 4869
Premium High-Yield Savings
3.50%
$5,000
Rate3.45%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
650 Congressional Dr, Lawrence, KS 66049
High Yield Savings Account
2.78%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
High Yield Savings IRA*
2.75%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 22, 2026
Details

In Branch Only

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
High Yield Savings IRA*
2.50%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 22, 2026
Details

In Branch Only

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1121 Wakarusa Dr, Lawrence, KS 66049
Savings Plus
2.50%
$25
Rate2.47%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

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

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
High Yield Savings IRA*
2.00%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 22, 2026
Details

In Branch Only

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
High Yield Savings IRA*
1.50%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 22, 2026
Details

In Branch Only

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
TriCentury Savings
1.50%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
1.35%
$0
Rate1.34%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
1.30%
$0
Rate1.29%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
1.15%
$0
Rate1.14%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
1.10%
$0
Rate1.09%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4114 W 6th St, Lawrence, KS 66049
Health Savings Account (HSA)
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1444 Kasold Dr, Lawrence, KS 66049
High Yield Savings IRA*
1.00%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedMar 22, 2026
Details

In Branch Only

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
650 Congressional Dr, Lawrence, KS 66049 4869
IRA Share
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
901 Vermont St, Lawrence, KS 66044
Youth Savings
0.60%
$10
Rate0.60%
Min Deposit$10
Min Balance
UpdatedMar 20, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1441 Wakarusa Dr, Lawrence, KS 66049
UMB Premium Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
550 N Wakarusa Dr, Lawrence, KS 66049
Preferred Youth Savings Account
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
650 Congressional Dr, Lawrence, KS 66049
Health Savings Account (HSA)
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1555 Wakarusa Dr, Lawrence, KS 66047 1803
IRA Savings Account
0.50%
$5
Rate0.49%
Min Deposit$5
Min Balance
UpdatedMar 13, 2026
Details

Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4114 W 6th St, Lawrence, KS 66049
Business Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4114 W 6th St, Lawrence, KS 66049
Savings
0.25%
$50
Rate0.25%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Silver Lake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
643 Massachusetts St, Lawrence, KS 66044
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1555 Wakarusa Dr, Lawrence, KS 66047 1803
Health Savings Account (HSA)
0.20%
$50
Rate0.20%
Min Deposit$50
Min Balance
UpdatedMar 13, 2026
Details

Silver Lake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
643 Massachusetts St, Lawrence, KS 66044
Regular Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1001 E 23rd St, Lawrence, KS 66046 5003
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Silver Lake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
643 Massachusetts St, Lawrence, KS 66044
Health Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1016 W 6th ST, LAWRENCE, KS 66044 2213
Share Accounts
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1121 Wakarusa Dr, Lawrence, KS 66049
Business Savings Account
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 13, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1121 Wakarusa Dr, Lawrence, KS 66049
Regular Savings
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 13, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1121 Wakarusa Dr, Lawrence, KS 66049
Youth Savings
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 13, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1001 E 23rd St, Lawrence, KS 66046 5003
Youth Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
1001 E 23rd St, Lawrence, KS 66046 5003
Share/Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1555 Wakarusa Dr, Lawrence, KS 66047 1803
Super Savings Money Market
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
550 N Wakarusa Dr, Lawrence, KS 66049
Christmas Savings Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.01%
550 N Wakarusa Dr, Lawrence, KS 66049
Vacation Savings Account
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1555 Wakarusa Dr, Lawrence, KS 66047 1803
Regular Savings
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 13, 2026
Details

Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
650 Congressional Dr, Lawrence, KS 66049
High Yield Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1555 Wakarusa Dr, Lawrence, KS 66047 1803
Business Regular Savings
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 13, 2026
Details

Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1016 W 6th ST, LAWRENCE, KS 66044 2213
Share Accounts
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Share
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1025 Iowa St, Lawrence, KS 66044
Passcard Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Health Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1025 Iowa St, Lawrence, KS 66044
eSavings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1441 Wakarusa Dr, Lawrence, KS 66049
UMB Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
955 Iowa St, Lawrence, KS 66044
myRewards Savings
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1025 Iowa St, Lawrence, KS 66044
Passcard Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Grow Savings Account
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Traditions High Yield Business Savings Account
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6201 College Blvd, Overland Park, KS 66211
Kids Cash Savings
4.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 18, 2026
Details

FSB Mcpherson, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
2074 E Kansas Ave, Mcpherson, KS 67460
Super Savings
3.66%
$50
Rate3.60%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $100,000.00

Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
1100 E 27th St, Hays, KS 67601
Youth Savings 1 year
3.25%
$0
Rate3.21%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
10851 Mastin St, Overland Park, KS 66210
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

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.

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.

Lawrence, KS Savings Rate Trends

Compare local Lawrence, KS savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Kansas Savings Trends →
High-Yield Savings — KS Avg
1.156%
▼ 0.319 from last week

Kansas high-yield savings rates fell 0.319 points this week to 1.156% APY, down from 1.475% last week.

Standard Savings — KS Avg
0.457%
▲ 0.020 from last week

Kansas standard savings rates rose 0.020 points this week to 0.457% APY, up from 0.436% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Lawrence, 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 Lawrence, 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 Lawrence, Kansas

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Kansas, help your money grow faster through a higher APY.

Are savings accounts in Lawrence, Kansas safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Kansas up to $250,000 per depositor, per institution.

How often do savings rates change in Lawrence, Kansas?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Kansas rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Lawrence, Kansas may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Lawrence, Kansas?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lawrence, Kansas offer in-person customer service, which some customers prefer.

How do I open a savings account in Lawrence, Kansas?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Lawrence, Kansas

Here are recent savings rates observed in Lawrence, Kansas and the surrounding area:
  • Capitol Federal Savings Bank
    eSavings — 3.70% APY
  • Meritrust Federal Credit Union
    Premium High-Yield Savings — 3.50% APY
  • Truity Federal Credit Union
    Premier Savings — 3.00% APY
  • Premier Members Credit Union
    High Yield Savings Account — 2.78% APY
  • TriCentury Bank
    High Yield Savings IRA* — 2.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lawrence, Kansas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026