Cheney, Kansas CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
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Brian McKay
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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 Cheney, Kansas CD rates include CSB of Cheney, KSCSB of Cheney, KS306 N Main St, Cheney, KS 67025A+5.0 ★Texas Ratio: 0.92%Real return: +0.97%APY minus CPI (February 2026) offering 12 Month CD at 3.77% APY, Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 24 Month CD at 4.16% APY, Omb BankOmb BankA+5.0 ★Texas Ratio: 4.97%Real return: +1.25%APY minus CPI (February 2026) offering 3 Month CD at 4.05% APY, Mid-America BankMid-America BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.24%APY minus CPI (February 2026) offering 1 Year CD or IRA Jumbo at 4.04% APY, and TriCentury BankTriCentury BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Special CD at 4.00% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Cheney has 5 local institutions in our database, with CD rates as high as 3.77% APY from CSB of Cheney, KS at 306 N Main St, Cheney, KS 67025. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Kansas area. Rates are continually updated — 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: May 15, 2026
Compare Best CD Rates in Cheney, Kansas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
13-90 Day CD
$2,500
0.20%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
3 Month Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$1,000
3.22%
▼
Rate3.18%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 90 Days
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 3 Months
$500
2.37%
▼
Rate2.35%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
CD's greater than or equal to ** 3 months
$0
2.03%
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
$100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3 Month Share Certificates
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
3 months CD's equal to to $99,999
$0
1.97%
▼
Rate1.96%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
$50,000
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
3 months CD's equal to to $49,999
$0
1.92%
▼
Rate1.91%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
$25,000
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
CD's equal to to $24,999 3 months
$1,000
1.87%
▼
Rate1.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
$1000
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA Certificates of Deposit 3-month
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3 month
$1,000
1.51%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Month Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 3 Month Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
90 Days
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
3-MONTH SHARE CERTIFICATE
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
Regular 3 Month Share Certificates
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
Regular 3 Month Share Certificate
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 3 Month
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 3 Month
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 3 Months
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Business Certificates of Deposit (CDs)
$0
0.31%
▼
Rate0.31%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
3 Month Certificates of Deposit (CDs)
$0
0.31%
▼
Rate0.31%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
3 Month Certificate of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CD Only
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 6 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Open Online
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 6 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.76%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 6 Month
$2,500
3.79%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6-Month CD Special
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Months Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month Certificate of Deposit
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
6 months Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 6 months
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 6 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6-Month CD
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
6 months Certificates of Deposit (CD)
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 6 month term
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Youth Certificate - 6 mo. Term
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 6 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
6 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6 Month Share/IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
6 Month Share Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 Months CD Options
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 Months Certificate
$1,000
3.28%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$50,000
3.28%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 15, 2026
Details
Home Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6 month
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-month Certificate
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$1,000
3.24%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 180 Days
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month Business Certificates of Deposit (CDs)
$0
3.07%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month Certificates of Deposit (CDs)
$0
3.07%
▼
Rate3.04%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-month Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
6 Month Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
6 Month Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
6 Month Certificate of Deposit
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Certificate
$500
2.97%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$500
2.87%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificate of Deposit
$500
2.87%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Share Certificates 6 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
12 Month CD
$500
3.77%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$500
4.11%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Penalty for early withdrawal
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Special CD
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Special CD Terms
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
12 Month Special
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Dickinson County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Spring CD Special - 12 month
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 1 Year
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Community National Bank Seneca, KS
Institution Rating:
F2.6 ★Texas Ratio: 44.27%
CD Special: Online Only - 12 mo. Term
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Online Only; Annual Percentage Yield (APY) is 3.80% on this 12 Month Certificate of Deposit. Minimum deposit of $1,000.00 is required to obtain Annual Percentage Yield (APY). Annual Percentage Yield (APY) stated accurate as of 1/7/2026. Substantial penalty for early withdrawals. Maximum amount to open CD is $90,000 Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 1 Year
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
1 Year Certificate
$2,000
3.75%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Smart Growth CD 12 Month
$100
3.75%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Smart Growth CD Rate 12 Month
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
IRA Certificates 12 Months
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
FNB of Hope
Institution Rating:
D3.4 ★Texas Ratio: 34.15%
IRA Certificate of Deposits 12-Month Variable
$500
3.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
12-Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 12 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Open Online
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 12 month term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Youth Certificate - 12 mo. Term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
12 Month Share Certificate
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Month Share Certificate
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 1 Year
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
1 Year Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 1 Year
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
12 months Certificates of Deposit (CD)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 year Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12-Month CD Special
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
12 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 1 Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1 Year
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 12 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
1 Year Add-On Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
1 Year Add-On Share Certificates
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12 Months CD Options
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12 Months Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
18 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 18 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
IRA - 18 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.67%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
18 Month Variable IRA Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1.5 Year CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
18 Month Share Certificate
$0
3.57%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Months Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
18 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 18 Months
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
18-Month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$1,000
3.33%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
3.33%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 months Certificate of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 18 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Halstead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
IRA 18-Month Fixed Rate Account
$250
3.15%
▼
Rate3.10%
Min Deposit$250
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 18 Months
$500
3.12%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Business Certificates of Deposit (CDs)
$0
3.04%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Certificates of Deposit (CDs)
$0
3.04%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 18 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 18 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18 Month Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Months Share & IRA Certificates of Deposit
$50,000
2.91%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Months Share & IRA Certificates of Deposit
$30,000
2.85%
▼
Rate—
Min Deposit$30,000
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 months Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Months Share & IRA Certificates of Deposit
$15,000
2.80%
▼
Rate—
Min Deposit$15,000
Min Balance—
UpdatedMay 12, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
18 Months Share & IRA Certificates of Deposit
$5,000
2.75%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Month CD
$1,000
2.70%
▼
Rate2.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA Certificates of Deposit 18-month
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
18 months Share Certificate
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Months Certificates of Deposits
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
24 Month CD
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$500
4.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Penalty for early withdrawal
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
IRA/Roth Share Certificates 2 Year
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Jumbo Share Certificates 2 Year
$100,000
3.91%
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
2 Year Share Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 2 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24-month CD
$1,000
3.51%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Open Online
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
2 years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
24-Month CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate of Deposit
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2 Year
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 2 Years
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2 Year Certificate
$2,000
3.50%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
24 Month Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
24 months Certificates of Deposit (CD)
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
24 Month Jump Rate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
24 months Certificate of Deposit
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 2 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 2 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 24 Months
$500
3.22%
▼
Rate3.19%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 2 Years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 24 month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Month Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 24 Month Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
24 month Certificates
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Business Certificates 24 Month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 24 month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Certificates of Deposit (CDs)
$0
3.04%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Business Certificates of Deposit (CDs)
$0
3.04%
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 2 Year
$100
3.04%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
2 Year Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
2 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2 Year Certificate
$2,000
3.00%
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
IRA Certificates 24 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
2 Years Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 2 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
2 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CSB of Cheney, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
306 N Main St, Cheney, KS 67025
36 Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
IRA/Roth Share Certificates 3 Year
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Jumbo Share Certificates 3 Year
$100,000
3.96%
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Dillon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
3 Year Share Certificates
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 3 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
Companion CD Accounts 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
36-Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month Certificate of Deposit
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3 Years Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Year
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 3 Years
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
36 Month Jump Rate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
36 month Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Business Certificates 36 Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 36 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
36 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
36 Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Year CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 36 Month Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
IRA Certificates 36 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 3 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 36 month term
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Month Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
3 Year Share/IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Year Certificate
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 3 Years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
36 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
36 months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
3 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 3 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
36 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Months Certificate
$1,000
3.00%
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
3 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Business Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
3 Years Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 3 Year
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
3 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
IRA CDs 3 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
36 Month Certificate
$1,000
2.77%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
48 Month Adjustable Rate IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 4 Year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 month Certificates
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Business Certificates 48 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 48 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
48 Month Jump Rate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
48 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
48 months Certificates of Deposit (CD)
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month Certificate of Deposit
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
4 Year Certificate * (with Rate Protection)
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 4 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank in Fredonia
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Fixed CD
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 48 month term
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
48 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 48 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 4 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
4 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
4 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Business Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 4 Years
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
2.88%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 4 Years
$500
2.86%
▼
Rate2.84%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
IRA Certificates 48 Months
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 4 Year
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.71%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
48 Month Certificate
$1,000
2.65%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $99,999.99 4 years
$50,000
2.63%
▼
Rate2.61%
Min Deposit$50,000
Min Balance—
UpdatedMay 15, 2026
Details
$50,000
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Months Certificates of Deposits
$500
2.53%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $9,999 4 years
$0
2.53%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
$100
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
Companion CD Accounts 60 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
60 month Certificates
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Business Certificates 60 Month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
60 Month Jump Rate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 5 Year
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
60 months Certificates of Deposit (CD)
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
60 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months CD Terms
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
5 Year Certificate
$2,000
3.50%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
5 Year**
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
Business Certificate of Deposit 5 Years
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
Business 60 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
5 Year CD
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 5 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25 savings account required.
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month Certificate of Deposit
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 5 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
60 months Certificate of Deposit
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 60 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Premier CD 5 Years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
60 Month Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
5-year minimum deposit = $5,000
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
60 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 60 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
CDs and IRAs 60 months and longer
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
5 Year Certificate
$2,000
3.00%
▼
Rate2.97%
Min Deposit$2,000
Min Balance—
UpdatedMay 5, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 5 Years
$500
2.96%
▼
Rate2.94%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Business Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Certificates of Deposit (CDs)
$0
2.91%
▼
Rate2.88%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$0 - $9,999.99
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
Signature CD 5 Years
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
IRA Certificates 60 Months
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 60 month term
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
60 Month CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
Certificate of Deposit & IRA 5 Year
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
5 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate2.71%
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Cheney, Kansas at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Cheney depositors is 3.77% APY from CSB of Cheney, KS. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Cheney, KS CD Rate Trends
Compare local Cheney, 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
2.729%
Unchanged vs 7 days ago
Kansas 12-month CD rates currently average 2.729% APY based on data from institutions in our monitoring network.
6-Month CD — KS Avg
2.552%
▼ 0.005 vs 7 days ago
Kansas 6-month CD rates fell 0.005 points over the past 7 days to 2.552% APY.
As of May 15, 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 May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
2.729%
6-Month Forecast
2.729%
Range: 2.53% – 2.88%
12-Month Forecast
2.479%
Range: 2.28% – 2.63%
Powered by
MonitorBankRates
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 | 1.436% | $71.81 | $143.62 | $359.05 | $718.10 |
| 6-Month CD | 2.552% | $127.60 | $255.20 | $638.00 | $1,276.00 |
| 12-Month CD | 2.729% | $136.47 | $272.94 | $682.35 | $1,364.70 |
| 18-Month CD | 2.694% | $134.71 | $269.41 | $673.53 | $1,347.05 |
| 24-Month CD | 2.729% | $136.46 | $272.92 | $682.30 | $1,364.60 |
| 36-Month CD | 2.716% | $135.81 | $271.61 | $679.03 | $1,358.05 |
| 48-Month CD | 2.704% | $135.20 | $270.40 | $676.00 | $1,352.00 |
| 60-Month CD | 2.871% | $143.57 | $287.14 | $717.85 | $1,435.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for Cheney, 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 | 1.436% | $71.81 |
| 2 | 6-Month CD | $5,000 | 2.552% | $127.60 |
| 3 | 12-Month CD | $5,000 | 2.729% | $136.47 |
| 4 | 24-Month CD | $5,000 | 2.729% | $136.46 |
| 5 | 36-Month CD | $5,000 | 2.716% | $135.81 |
| Total ($25,000 invested) | $25,000 | 2.433% blended | $608.15/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.
682
CD Rates
Tracked in Cheney, Kansas
Tracked in Cheney, Kansas
59 Banks
39 Credit Unions
About Our Cheney, Kansas CD Rate Database
MonitorBankRates tracks 682 CD rates from 59 banks and 39 credit unions with locations in Cheney, 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: CSB of Cheney, KS offers a CD at 3.77% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Cheney, Kansas.
How to Find the Best CD Rates in Cheney, Kansas
What to compare when shopping for a CD in Cheney, Kansas
To find the best APYs in Cheney, Kansas, start with credit unions and online-only banks — Cheney, 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 Cheney, 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 Cheney, Kansas — 98 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Cheney, Kansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Cheney, Kansas money market rates
Cheney, Kansas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
15.9%
National avg: 17.3%
Median Individual Earnings
$43,125
National avg: $47,340
Poverty Rate
6.9%
National avg: 11.1%
Unemployment Rate
0.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$118/yr
At KS 12-mo avg 2.729% APY
15.9% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 0.6% reflects a strong local economy. At today’s KS 12-month CD average of 2.729%, saving 10% of the local median salary ($4,312/year) and putting it in a CD would earn an additional $118 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 Cheney, 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 |
Frequently Asked Questions about CD Rates in Cheney, Kansas
Are CD rates in Cheney, Kansas FDIC insured?
Yes, most established banks in Cheney, 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 Cheney, 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 Cheney, 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 Cheney, 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 Cheney, Kansas?
Here are recent top rates found for this area:
- CSB of Cheney, KS: 3.77% APY (12 Month CD)
- Farmers and Merchants Bank Milligan, NE: 4.16% APY (24 Month CD)
- Omb Bank: 4.05% APY (3 Month CD)
- Mid-America Bank: 4.04% APY (1 Year CD or IRA Jumbo)
- Dickinson County Bank: 4.00% APY (Spring CD Special - 12 month)
- Farmers and Drovers Bank: 4.00% APY (12 Month Special)
- TriCentury Bank: 4.00% APY (12 Month Special CD)
- Dillon Credit Union: 3.96% APY (Jumbo Share Certificates 3 Year)
- Bank of the Flint Hills: 3.91% APY (Certificates of Deposit 1 Year)
- Public Safety Credit Union: 3.90% APY (1 Year CD)
Rates reflect recent verified offers available in Cheney, Kansas. Last Updated: May 15, 2026
CD Calculators for Cheney, Kansas
Cheney, Kansas CD Calculator
At today’s KS top rate of 3.77% APY, a $10,000 deposit earns $377 in the first year. Enter your amount to see your exact return.
Cheney, Kansas CD LadderKS CD rates currently range from 1.436% (3-month) to 2.716% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cheney, Kansas CD at 3.77% 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 2.729% 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 Cheney, 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 Cheney, 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 Cheney, 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: May 15, 2026
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