Manhattan, Kansas Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Manhattan, Kansas and the surrounding area include Premier Members Credit UnionPremier Members Credit Union104 McCall Rd, Manhattan, KS 66502A+5.0 ★Texas Ratio: 3.43%Real return: +0.70%APY minus 2.8% CPI (February 2026) Premium High Yield Savings Account at 3.50% APY, Credit Union of AmericaCredit Union of America1800 Claflin Rd, Manhattan, KS 66502 3469A+5.0 ★Texas Ratio: 3.58%Real return: +0.45%APY minus 2.8% CPI (February 2026) High-Yield Savings Account at 3.25% APY, ESB FinancialESB Financial224 E Poyntz Ave, Manhattan, KS 66502A5.0 ★Texas Ratio: 13.44%Real return: -1.79%APY minus 2.8% CPI (February 2026) Kasasa Saver Savings at 1.01% APY, FSB of WestmorelandFSB of Westmoreland8685 E Us Highway 24, Manhattan, KS 66502A5.0 ★Texas Ratio: 9.50%Real return: -1.80%APY minus 2.8% CPI (February 2026) Passbook Savings Account at 1.00% APY, and Bank of the Flint HillsBank of the Flint Hills7860 E Us Highway 24, Manhattan, KS 66502A+5.0 ★Texas Ratio: 0.96%Real return: -1.80%APY minus 2.8% CPI (February 2026) Kasasa Saver Savings at 1.00% APY.
Manhattan has 21 local institutions in our database, with savings rates as high as 3.50% APY from Premier Members Credit Union at 104 McCall Rd, Manhattan, KS 66502. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Manhattan, Kansas and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Manhattan, Kansas & Surrounding Communities
Balance: $0.01 to $50,000.00
Balance: $15,000 and over
Balance: 0 - $10,000
Qualifications Required: 1.00%-0.35% APY on balances over $15,000; Rewards transferred from Kasasa Cash; Balance: $0.01-$15,000.00
Balance: $150,000.00 - OVER
Balance: $50,000.00 - 149,999.99
Balance: $10,000.00 - 49,999.99
Balance: $.01 - 9,999.99
Balance: $50,000.01 or more
Balance: $2,500.00 or more
Balance: $0 - $14,999
Transaction limits apply. Interest rates, annual percentage yields (APY) and fees are subject to change without notice. All funds placed into a Passcard Savings account are FDIC insured to the maximum allowed by law. Service charges may reduce the earnings on the account. See Disclosure Information Booklet for more information.
Rewards transferred from Kasasa Cash; on entire balance
Balance: $100.00 to $2,499.99
Take advantage of tax deferred interest with a Traditional or Roth IRA.
Balance: $0-$1,000
Balance: $0 - $2,499.99
The APY for the Balance Tier $500.01 or more will range from 4.00% to 0.01% , depending on the balance in the account.
Balance: $1,000,000.00 +
Balance: $1,000,000.00 +
Qualifications Required: 18 *POS transactions; If *POS transaction requirements met: APY is 3.66% for daily balances up to $250,000. The APY ranges from 0.30% to 3.66%, depending on the account balance, for daily balances over $250,000. The 0.30% interest rate will be paid only for the portion of your daily balance that is greater than $250,000.
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99
Balance: $5MM and over
Balance: $5,000.00 or more
Balance: $5,000.00 or more
Balance: $100,000 - $499,999.99
Balance: $100,000 - $499,999.99
Balance: $50,000 - $99,999.99
Online Savings Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime. No branch or call center access with this account. Membership eligibility required.
Special terms and conditions apply
over $200,000
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.
Manhattan, KS Savings Rate Trends
Compare local Manhattan, 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 0.091 points over the past 7 days to 1.973% APY, up from 1.882%.
Kansas standard savings rates fell 0.005 points over the past 7 days to 0.805% APY, down from 0.810%.
Manhattan, 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 1.973% 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 60–90 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 Manhattan, Kansas.
Savings Account Earnings in Manhattan, 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 (1.973% APY) | Monthly Earnings | Standard Savings (0.805% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.64 / year | $8.22 | $40.27 / year | $3.36 |
| $10,000 | $197.28 / year | $16.44 | $80.54 / year | $6.71 |
| $25,000 | $493.20 / year | $41.10 | $201.35 / year | $16.78 |
| $50,000 | $986.40 / year | $82.20 | $402.70 / year | $33.56 |
| 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: Manhattan, Kansas savings rate averages as of September 23, 2026. | ||||
About Our Manhattan, Kansas Savings Rate Database
MonitorBankRates found 6 institutions with branches in Manhattan (4 banks, 2 credit unions), plus 13 additional state-chartered and national online institutions available to Manhattan 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: Premier Members Credit Union offers a savings account at 3.50% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in Manhattan, Kansas.
How to Find the Best Savings Rates in Manhattan, Kansas
What to compare when shopping for a savings account in Manhattan, Kansas
To find the best savings APYs in Manhattan, Kansas, start with credit unions and online-only banks: Manhattan, Kansas has 8 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 1.973% but top local institutions are offering as high as 3.50%, 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. Manhattan, Kansas high-yield savings rates currently average 1.973% 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 Manhattan, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 19 institutions in Manhattan, 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 → Manhattan, Kansas CD rates
- You want check-writing flexibility → Manhattan, Kansas money market rates
- You need daily transaction access → Manhattan, Kansas checking rates
Manhattan, Kansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
9.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.5% reflects a strong local economy with solid savings capacity. At today’s KS high-yield savings average of 1.973%, saving 10% of the local median salary ($2,252/year) would earn an additional $44 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Manhattan, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Manhattan, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 1.973% | 0.805% | 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 | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | 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 Manhattan, Kansas averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Manhattan, Kansas
At KS’s top rate of 3.50% from Premier Members Credit Union, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Manhattan, Kansas earner is roughly $5,600. At 1.973% APY, saving $470/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 1.973% 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 Manhattan, Kansas earner makes $22,529/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.973% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.973% APY grows to roughly $36,951 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 Manhattan, Kansas savings 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 Savings Rate Data: We aggregate savings account rates for Manhattan, 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 Manhattan, 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 Manhattan, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Manhattan, Kansas safe?
How often do savings rates change in Manhattan, 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 Manhattan, Kansas?
How do I open a savings account in Manhattan, Kansas?
Best Savings Rates in Manhattan, Kansas
- Premier Members Credit Union
Premium High Yield Savings Account: 3.50% APY - Credit Union of America
High-Yield Savings Account: 3.25% APY - ESB Financial
Kasasa Saver Savings: 1.01% APY - FSB of Westmoreland
Passbook Savings Account: 1.00% APY - Bank of the Flint Hills
Kasasa Saver Savings: 1.00% APY
Manhattan, Kansas Rates & Resources
