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CD Rate Trends

Clifton, Kansas Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure 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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Clifton, Kansas CD rates from banks and credit unions serving Kansas range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Clifton, Kansas CD rates include Topeka Police Credit UnionTopeka Police Credit UnionA+5.0 ★Texas Ratio: 0.27%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering Kid's Certificates - 6 Month at 5.00% APY, Grant County BankGrant County BankA5.0 ★Texas Ratio: 10.01%Real return: +1.09%APY minus CPIRate verified Oct 22, 2026 offering Certificates of Deposit (CDs) - 5 Year at 4.79% APY, Mid-America BankMid-America BankA+5.0 ★Texas Ratio: 1.02%Real return: +0.85%APY minus CPIRate verified Oct 21, 2026 offering 1 Year CD or IRA - Jumbo at 4.55% APY, Heartland Credit Union Hutchinson, KSHeartland Credit Union Hutchinson, KSA5.0 ★Texas Ratio: 9.12%Real return: +0.85%APY minus CPIRate verified Oct 19, 2026 offering 48 Month Business Certificate at 4.55% APY, and Topeka Firemens Credit UnionTopeka Firemens Credit UnionA+5.0 ★Texas Ratio: 0.05%Real return: +0.85%APY minus CPIRate verified Oct 19, 2026 offering 1 Year Share Certificates at 4.55% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Clifton is a smaller community with no bank or credit union branches currently in our database. 793 institutions serving the Kansas area are available to Clifton residents, with CD rates as high as 5.00% APY from Topeka Police Credit Union. Rates are continually updated, so 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: October 23, 2026

Compare Best CD Rates in Clifton, Kansas & the Surrounding Area

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Clifton 3 Month CD Rates

Kansas 3 Month CD Average1.95% APYNational 2.13%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 3 Month
$0
4.06% ▲ 2.11% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 2.11% above avgNationally 2.13%
Details

Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 9, 2026: 4.06% APYSep 9, 2026Oct 25, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3 Month Featured CD
$0
4.05% ▲ 2.10% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.10% above avgNationally 2.13%
Details

Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.05% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details

Interest credited At Maturity; Account maximum $500,000; FDIC insured

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00% ▲ 2.05% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details

Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 2.05% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 3 Month
$0
3.91% ▲ 1.96% above Kansas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.96% above avgNationally 2.13%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 14, 2026: 3.80% APYSep 24, 2026: 3.91% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.91%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85% ▲ 1.90% above Kansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 1.90% above avgNationally 2.13%
Details

Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Month
$100
3.84% ▲ 1.89% above Kansas avg
View
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.89% above avgNationally 2.13%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.84% ▲ 0.05 pts · high 3.84% / low 3.79%
3.29%3.82%4.34%Sep 14, 2026: 3.79% APYSep 24, 2026: 3.84% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.84%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
3 Month CD
$1,000
3.80% ▲ 1.85% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.85% above avgNationally 2.13%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Month
$100
3.74% ▲ 1.79% above Kansas avg
View
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.79% above avgNationally 2.13%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.79% → 3.74% ▼ 0.05 pts · high 3.79% / low 3.74%
3.24%3.77%4.29%Sep 14, 2026: 3.79% APYSep 24, 2026: 3.74% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.74%▼ from 3.79%
  • Sep 14, 20263.79%first recorded
CommunityAmerica Credit Union
3 Month Business Share Certificate
$500
3.60% ▲ 1.65% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.65% above avgNationally 2.13%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
3 Month Share Certificate
$500
3.60% ▲ 1.65% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.65% above avgNationally 2.13%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 25, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month IRA CD
$1,000
3.54% ▲ 1.59% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.59% above avgNationally 2.13%
Details

IRA Rates

Rate History
1 change since Sep 19, 2026 · 3.60% → 3.54% ▼ 0.06 pts · high 3.60% / low 3.54%
3.04%3.57%4.10%Sep 19, 2026: 3.60% APYOct 3, 2026: 3.54% APYSep 19, 2026Oct 25, 2026
  • Oct 3, 20263.54%▼ from 3.60%
  • Sep 19, 20263.60%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month CD
$1,000
3.50% ▲ 1.55% above Kansas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.55% above avgNationally 2.13%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 19, 2026: 3.60% APYOct 3, 2026: 3.50% APYSep 19, 2026Oct 25, 2026
  • Oct 3, 20263.50%▼ from 3.60%
  • Sep 19, 20263.60%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$1,000
3.49% ▲ 1.54% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.54% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.49% APY · checked 3 times
2.99%3.49%3.99%Oct 14, 2026: 3.49% APYOct 14, 2026Oct 25, 2026
Kendall Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.53%
Business 3 Month Certificate of Deposit
$1,000
3.49% ▲ 1.54% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.54% above avgNationally 2.13%
Details

Minimum balance to obtain APY: $1,000.00; interest compounded and credited at maturity; early withdrawal penalty may be imposed

Rate History
No change since Oct 22, 2026 · 3.49% APY
2.99%3.49%3.99%Oct 22, 2026: 3.49% APYOct 22, 2026Oct 25, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.45% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 1.45% above avgNationally 2.13%
Details

Penalty for early withdrawal applies; many interest payment options available

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 25, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 3 Month
$2,500
3.29% ▲ 1.34% above Kansas avg
View
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.34% above avgNationally 2.13%
Details

Dividend Paid: At Maturity

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month CD
$1,000
3.25% ▲ 1.30% above Kansas avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.30% above avgNationally 2.13%
Details

Rates listed are valid for personal accounts only. Early withdrawal penalty may apply.

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 3 Month
$500
3.25% ▲ 1.30% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.30% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Month Regular Certificate
$0
3.15% ▲ 1.20% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.20% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 25, 2026
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
90-day CD
$0
3.00% ▲ 1.05% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Share Certificate of Deposit 90 Days
$0
3.00% ▲ 1.05% above Kansas avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details

Share certificate; penalty may be imposed for early withdrawal; rates effective as of December 29, 2025; $5 savings account required

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
90 Day Share Certificate
$0
3.00% ▲ 1.05% above Kansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90% ▲ 0.95% above Kansas avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 0.95% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$0
2.75% ▲ 0.80% above Kansas avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 0.80% above avgNationally 2.13%
Details

Interest Compounding Frequency:; Interest Availability: Maturity

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Certificate
$0
2.63% ▲ 0.68% above Kansas avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 0.68% above avgNationally 2.13%
Details

Balance: Over $50,000

Rate History
No change since Oct 22, 2026 · 2.63% APY
2.13%2.63%3.13%Oct 22, 2026: 2.63% APYOct 22, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3 Month Certificate (CD Only)
$1,000
2.60% ▲ 0.65% above Kansas avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 0.65% above avgNationally 2.13%
Details

Certificate of Deposit/IRA; Personal Rates

Rate History
No change since Oct 20, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 20, 2026: 2.60% APYOct 20, 2026Oct 25, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Business 3 Months (CD Only)
$1,000
2.60% ▲ 0.65% above Kansas avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 0.65% above avgNationally 2.13%
Details

Certificate of Deposit/IRA; Business Rates

Rate History
No change since Oct 20, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 20, 2026: 2.60% APYOct 20, 2026Oct 25, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$0
2.53% ▲ 0.58% above Kansas avg
View
▼
Rate2.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.58% above avgNationally 2.13%
Details

Balance: greater than or equal to $100,000; Compounding: Quarterly

Rate History
No change since Oct 20, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 20, 2026: 2.53% APYOct 20, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month CD
$0
2.50% ▲ 0.55% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details

Featured rate; rates as of August 1, 2026

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Certificate of Deposit - 3 Month
$1,000
2.50% ▲ 0.55% above Kansas avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details

APY accurate as of 08/01/2026; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 3 Month
$0
2.50% ▲ 0.55% above Kansas avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details

Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest; Rates effective as of September 30, 2025

Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 15, 2026: 2.50% APYOct 15, 2026Oct 25, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$0
2.48% ▲ 0.53% above Kansas avg
View
▼
Rate2.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.53% above avgNationally 2.13%
Details

Balance: $50,000 to $99,999; Frequency of Compounding: Quarterly

Rate History
No change since Oct 20, 2026 · 2.48% APY · checked 2 times
1.98%2.48%2.98%Oct 20, 2026: 2.48% APYOct 20, 2026Oct 25, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$0
2.43% ▲ 0.48% above Kansas avg
View
▼
Rate2.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.48% above avgNationally 2.13%
Details

Balance: $25,000 to $49,999; Compounding: Quarterly

Rate History
No change since Oct 20, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 20, 2026: 2.43% APYOct 20, 2026Oct 25, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
Certificate of Deposit - 3 months
$0
2.38% ▲ 0.43% above Kansas avg
View
▼
Rate2.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.43% above avgNationally 2.13%
Details

Balance: $1000 to $24,999; Compounding: Quarterly

Rate History
No change since Oct 20, 2026 · 2.38% APY · checked 2 times
1.88%2.38%2.88%Oct 20, 2026: 2.38% APYOct 20, 2026Oct 25, 2026
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Regular Certificate of Deposit - 3 Months
$500
2.37% ▲ 0.42% above Kansas avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.42% above avgNationally 2.13%
Details

Compounded: At Maturity

Rate History
No change since Sep 19, 2026 · 2.37% APY · checked 7 times
1.87%2.37%2.87%Sep 19, 2026: 2.37% APYSep 19, 2026Oct 25, 2026
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Month Certificates of Deposit
$5,000
2.02% ▲ 0.07% above Kansas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 0.07% above avgNationally 2.13%
Details

Effective Sept. 1, 2026

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Share Certificate
$1,000
2.00% ▲ 0.05% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 0.05% above avgNationally 2.13%
Details

Not available for IRA Certificates

Rate History
2 changes since Sep 18, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 4.00% / low 2.00%
0.00%3.00%6.00%Sep 18, 2026: 2.00% APYSep 24, 2026: 4.00% APYOct 20, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.00%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 2.00%
  • Sep 18, 20262.00%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00% ▲ 0.05% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 0.05% above avgNationally 2.13%
Details

High-Yield CDs/IRAs; APY accurate as of 10/21/2026; $1,000.00 minimum balance required to open and obtain APY; maximum balance limits apply; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 21, 2026: 2.00% APYOct 21, 2026Oct 25, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Share Certificates - 3 Month (C)
$500
2.00% ▲ 0.05% above Kansas avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 0.05% above avgNationally 2.13%
Details

Effective 03/03/2026; Annual % Rate APR - 1.99%; compounded quarterly

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Certificate
$0
1.81% ▼ 0.14% below Kansas avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.14% below avgNationally 2.13%
Details

Balance: $10,000 - $49,999

Rate History
No change since Oct 22, 2026 · 1.81% APY
1.31%1.81%2.31%Oct 22, 2026: 1.81% APYOct 22, 2026Oct 25, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificate - 90 Day CD
$0
1.81% ▼ 0.14% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average1.95%▼ 0.14% below avgNationally 2.13%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 9 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Oct 25, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Month Certificate of Deposit
$1,000
1.65% ▼ 0.30% below Kansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.30% below avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 5 times
1.15%1.65%2.15%Sep 19, 2026: 1.65% APYSep 19, 2026Oct 25, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Certificates of Deposit D - 3-month
$1,000
1.65% ▼ 0.30% below Kansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.30% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 1.65% APY · checked 3 times
1.15%1.65%2.15%Oct 20, 2026: 1.65% APYOct 20, 2026Oct 25, 2026
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
IRA Certificates of Deposit - 3-month
$1,000
1.65% ▼ 0.30% below Kansas avg
View
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.30% below avgNationally 2.13%
Details

Rate Code E

Rate History
No change since Sep 19, 2026 · 1.65% APY · checked 4 times
1.15%1.65%2.15%Sep 19, 2026: 1.65% APYSep 19, 2026Oct 25, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Month CD
$1,000
1.56% ▼ 0.39% below Kansas avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.39% below avgNationally 2.13%
Details

Rates effective as of February 3, 2026. Penalty for early withdrawal may apply. Also available as IRA.

Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55% ▼ 0.40% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▼ 0.40% below avgNationally 2.13%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 25, 2026
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3 Month CD
$1,000
1.51% ▼ 0.44% below Kansas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▼ 0.44% below avgNationally 2.13%
Details

Compounding Frequency: Quarterly; Effective as of 10/20/2026

Rate History
No change since Sep 19, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 19, 2026: 1.51% APYSep 19, 2026Oct 25, 2026
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★Texas Ratio: 0.04%
3 month CD
$1,000
1.51% ▼ 0.44% below Kansas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.44% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 25, 2026

Clifton 6 Month CD Rates

Kansas 6 Month CD Average2.71% APYNational 2.78%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Kid's Certificates - 6 Month
$100
5.00% ▲ 2.29% above Kansas avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 2.29% above avgNationally 2.78%
Details

Kids Share Certificates (Under 18); $100.00 opening balance; unlimited deposits allowed; Early withdrawal: for certificates 12 months or shorter, penalty of ninety (90) days' dividends

Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 6 month
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.78%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
0.00%3.75%7.50%Sep 14, 2026: 1.00% APYSep 21, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.25%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
6 Month CD Special
$2,500
4.20% ▲ 1.49% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.49% above avgNationally 2.78%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 29, 2026: 4.00% APYOct 14, 2026: 4.20% APYSep 29, 2026Oct 25, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 6 Months
$0
4.19% ▲ 1.48% above Kansas avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.48% above avgNationally 2.78%
Details

Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only

Rate History
No change since Oct 14, 2026 · 4.19% APY · checked 3 times
3.69%4.19%4.69%Oct 14, 2026: 4.19% APYOct 14, 2026Oct 25, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month CD
$1,000
4.15% ▲ 1.44% above Kansas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month IRA CD
$1,000
4.15% ▲ 1.44% above Kansas avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details

IRA Rates

Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 19, 2026: 4.15% APYSep 19, 2026Oct 25, 2026
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Internet CD - 6 Month
$25,000
4.15% ▲ 1.44% above Kansas avg
View
▼
Rate4.07%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details

Internet Only; Apply Online (accounts opened nationwide); SPECIALS; Minimum deposit of $25,000

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 6 Month
$500
4.10% ▲ 1.39% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.39% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 6 Month
$500
4.10% ▲ 1.39% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.39% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 6 Month
$0
4.06% ▲ 1.35% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.78%
Details

Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 9, 2026: 4.06% APYSep 9, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - SPECIAL - 180 Day
$1,500
4.06% ▲ 1.35% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.78%
Details

Special certificate rate; APY* per footnote

Rate History
1 change since Sep 11, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 11, 2026: 3.55% APYOct 21, 2026: 4.06% APYSep 11, 2026Oct 25, 2026
  • Oct 21, 20264.06%▲ from 3.55%
  • Sep 11, 20263.55%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$1,000
4.05% ▲ 1.34% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.34% above avgNationally 2.78%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.05% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.05%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details

Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 6-Month Certificate at available rates

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
4.00% ▲ 1.29% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details

Balance: $10,000.00 and up

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 20, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 6 Month
$500
4.00% ▲ 1.29% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 6 Month
$0
3.99% ▲ 1.28% above Kansas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.28% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.94% → 3.99% ▲ 0.05 pts · high 3.99% / low 3.94%
3.44%3.97%4.49%Sep 14, 2026: 3.94% APYSep 24, 2026: 3.99% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.99%▲ from 3.94%
  • Sep 14, 20263.94%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 6 Month
$100
3.94% ▲ 1.23% above Kansas avg
View
▼
Rate3.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.23% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.94% ▲ 0.09 pts · high 3.94% / low 3.85%
3.35%3.89%4.44%Sep 14, 2026: 3.85% APYSep 24, 2026: 3.94% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.94%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month Personal CD
$1,000
3.85% ▲ 1.14% above Kansas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.14% above avgNationally 2.78%
Details

Balance: $0.01 minimum to obtain APY; Open Online; Rates effective as of 10/19/2026

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 6 Month
$100
3.84% ▲ 1.13% above Kansas avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.13% above avgNationally 2.78%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84%
3.34%3.84%4.35%Sep 14, 2026: 3.85% APYSep 24, 2026: 3.84% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20263.84%▼ from 3.85%
  • Sep 14, 20263.85%first recorded
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
Share Certificate 6 Months
$500
3.80% ▲ 1.09% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details

Early withdrawal penalties will apply; Dividends Paid Quarterly

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 25, 2026
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CD - 6 month
$500
3.80% ▲ 1.09% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details

Personal; Interest Compounded: Quarterly

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month CD
$1,000
3.80% ▲ 1.09% above Kansas avg
View
▼
Rate3.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 25, 2026
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Share : 6 Months
$25
3.80% ▲ 1.09% above Kansas avg
View
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details

Dividend earned on balances over $100

Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 25, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 6 Month
$0
3.79% ▲ 1.08% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.78%
Details

Interest Paid: Semi-Annually

Rate History
No change since Oct 14, 2026 · 3.79% APY · checked 3 times
3.29%3.79%4.29%Oct 14, 2026: 3.79% APYOct 14, 2026Oct 25, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Months Certificate
$500
3.79% ▲ 1.08% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.78%
Details

Rate History
1 change since Sep 16, 2026 · 3.00% → 3.79% ▲ 0.79 pts · high 3.79% / low 3.00%
2.21%3.40%4.58%Sep 16, 2026: 3.00% APYOct 23, 2026: 3.79% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20263.79%▲ from 3.00%
  • Sep 16, 20263.00%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate - 6 Month (BBB)
$0
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details

Balance: $100,000 and over

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75% ▲ 1.04% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$1,000
3.70% ▲ 0.99% above Kansas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6 Month Premium Certificates of Deposit (CD)
$0
3.70% ▲ 0.99% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.78%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 6 Month
$0
3.68% ▲ 0.97% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.97% above avgNationally 2.78%
Details

Interest Paid: Semi-Annually

Rate History
No change since Oct 14, 2026 · 3.68% APY · checked 3 times
3.18%3.68%4.18%Oct 14, 2026: 3.68% APYOct 14, 2026Oct 25, 2026
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6-month CD
$50,000
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 25, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
6 Month CD
$1,000
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Rates listed are valid for personal accounts only. Early withdrawal penalty may apply.

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month CD
$0
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Featured rate; rates as of August 1, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Certificate of Deposit - 6 Month
$1,000
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

APY accurate as of 08/01/2026; early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month CD
$1,000
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Rates effective as of February 3, 2026. Penalty for early withdrawal may apply. Also available as IRA.

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 6 Month (Jumbo)
$0
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 6 Month
$0
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details

Balance: $1,000 and over

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 6 Month
$2,500
3.63% ▲ 0.92% above Kansas avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.92% above avgNationally 2.78%
Details

Dividend Paid: Monthly, Quarterly or At Maturity

Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 7 times
3.13%3.63%4.13%Sep 14, 2026: 3.63% APYSep 14, 2026Oct 25, 2026
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month CD Special
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
6 Month Business Share Certificate
$500
3.60% ▲ 0.89% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.78%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
6 Month Share Certificate
$500
3.60% ▲ 0.89% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 6 months
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.78%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 Day CD
$1,500
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.78%
Details

Certificate of Deposit - SPECIAL; Effective Dates: October 20th - October 26th, 2026

Rate History
1 change since Sep 19, 2026 · 1.36% → 3.55% ▲ 2.19 pts · high 3.55% / low 1.36%
0.00%2.87%5.74%Sep 19, 2026: 1.36% APYOct 21, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
  • Oct 21, 20263.55%▲ from 1.36%
  • Sep 19, 20261.36%first recorded
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business Certificate of Deposit - 180 Day CD Special
$1,500
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - Regular 180 DAY CD SPECIAL
$1,500
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.78%
Details

Rate History
No change since Oct 21, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 21, 2026: 3.55% APYOct 21, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 6 Month
$0
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.78%
Details

Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Certificate of Deposit - 6 Month
$2,500
3.53% ▲ 0.82% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.82% above avgNationally 2.78%
Details

Simple Interest; Rates effective as of 6/8/2026

Rate History
No change since Sep 11, 2026 · 3.53% APY · checked 8 times
3.03%3.53%4.03%Sep 11, 2026: 3.53% APYSep 11, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 6 months
$0
3.51% ▲ 0.80% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.80% above avgNationally 2.78%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
180-day CD
$0
3.50% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.78%
Details

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 25, 2026

Clifton 12 Month CD Rates

Kansas 12 Month CD Average3.05% APYNational 2.99%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA - Jumbo
$500
4.55% ▲ 1.50% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.50% above avgNationally 2.99%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Share Certificates
$0
4.55% ▲ 1.50% above Kansas avg
View
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.50% above avgNationally 2.99%
Details

Rates effective 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 5 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.30% above Kansas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 12 Months
$0
4.30% ▲ 1.25% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA
$500
4.30% ▲ 1.25% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
12 Month CD Special
$1,000
4.27% ▲ 1.22% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 1.22% above avgNationally 2.99%
Details

Online Only; Annual Percentage Yield stated accurate as of 10/2/2026; minimum deposit of $1,000.00 required to obtain APY; maximum amount to open CD is $90,000; only available to Consumer Customers; no Institutional or Public Funds eligible; not available for IRAs; substantial penalty for early withdrawals

Rate History
No change since Oct 12, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Oct 25, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25% ▲ 1.20% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
3.35%4.05%4.75%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.05% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.25%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
12 Month CD Special
$2,500
4.25% ▲ 1.20% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Sep 29, 2026: 4.10% APYOct 14, 2026: 4.25% APYSep 29, 2026Oct 25, 2026
  • Oct 14, 20264.25%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month CD
$1,000
4.25% ▲ 1.20% above Kansas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 19, 2026: 3.95% APYOct 3, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Oct 3, 20264.25%▲ from 3.95%
  • Sep 19, 20263.95%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month IRA CD
$1,000
4.25% ▲ 1.20% above Kansas avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

IRA Rates

Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 19, 2026: 3.95% APYOct 3, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Oct 3, 20264.25%▲ from 3.95%
  • Sep 19, 20263.95%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 12 Month
$500
4.25% ▲ 1.20% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Share Certificate; $500 minimum to open; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 22, 2026: 2.53% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 2.53%
  • Sep 22, 20262.53%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 12 month
$500
4.25% ▲ 1.20% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details

$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 90 days dividends

Rate History
1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
0.81%3.39%5.97%Sep 14, 2026: 2.53% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 Month Certificate of Deposit
$500
4.20% ▲ 1.15% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 12 Month
$1,000
4.20% ▲ 1.15% above Kansas avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details

Dividend Rate: 4.14%; $1,000 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
0.00%3.25%6.50%Sep 14, 2026: 1.90% APYSep 21, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.20%▲ from 1.90%
  • Sep 14, 20261.90%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 12 month
$500
4.20% ▲ 1.15% above Kansas avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
0.00%3.25%6.50%Sep 14, 2026: 1.90% APYSep 21, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.20%▲ from 1.90%
  • Sep 14, 20261.90%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 1 Year
$0
4.18% ▲ 1.13% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.18% ▲ 0.22 pts · high 4.18% / low 3.96%
3.46%4.07%4.68%Sep 14, 2026: 3.96% APYSep 24, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.18%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificate of Deposit - 1 Year Variable Rate
$100
4.17% ▲ 1.12% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.12% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Oct 14, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 14, 2026: 4.17% APYOct 14, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 1 Year
$100
4.17% ▲ 1.12% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.12% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
3.47%4.07%4.67%Sep 14, 2026: 3.97% APYSep 24, 2026: 4.17% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.17%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 12 Month
$0
4.16% ▲ 1.11% above Kansas avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.11% above avgNationally 2.99%
Details

Rate History
No change since Sep 9, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Sep 9, 2026: 4.16% APYSep 9, 2026Oct 25, 2026
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Internet CD - 12 Month
$25,000
4.15% ▲ 1.10% above Kansas avg
View
▼
Rate4.07%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.10% above avgNationally 2.99%
Details

Internet Only; Apply Online (accounts opened nationwide); SPECIALS; Minimum deposit of $25,000

Rate History
No change since Oct 22, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 22, 2026: 4.15% APYOct 22, 2026Oct 25, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA Certificate of Deposit - 12-Month Variable
$500
4.11% ▲ 1.06% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.06% above avgNationally 2.99%
Details

Variable rate based on the 91 Day Treasury Bill, adjusted monthly; guaranteed minimum 3.610% APR with 3.680% APY (effective 4/1/2026 - 3/31/2027); Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest

Rate History
No change since Oct 14, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 14, 2026: 4.11% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10% ▲ 1.05% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.05% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificate of Deposit - 1 Year Variable Rate
$100
4.07% ▲ 1.02% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.02% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 14, 2026: 4.07% APYOct 14, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 1 Year
$100
4.07% ▲ 1.02% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.02% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYSep 24, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1 Year Share Certificates
$1,000
4.06% ▲ 1.01% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 1.01% above avgNationally 2.99%
Details

Subject to change daily; $1,000.00 minimum opening balance; 90 day penalty for early withdrawal before maturity

Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.05% ▲ 1.00% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.00% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 12 Month
$0
4.04% ▲ 0.99% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.99% above avgNationally 2.99%
Details

Interest Paid: Semi-Annually

Rate History
No change since Oct 14, 2026 · 4.04% APY · checked 3 times
3.54%4.04%4.54%Oct 14, 2026: 4.04% APYOct 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 12 Month
$500
4.01% ▲ 0.96% above Kansas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 12 Month
$500
4.01% ▲ 0.96% above Kansas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.96% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 8 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month EasyStart Certificate
$50
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
Certificates of Deposit (CDs) - 1 year
$1,000
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Rates effective as of 10/06/2026; Penalty for early withdrawal; Fees may reduce earnings

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Dickinson County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
Spring CD Special - 12 month
$0
4.00% ▲ 0.95% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Homepage promotional banner; APY marked with asterisk on page

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates Of Deposit - 12 Month Special
$100,000
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Compounded: Quarterly; Open Online: Click to Open; 12 Month Special minimum balance of $100,000 required to obtain the APY

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate Special
$0
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Jumbo 12 Months Certificate
$100,000
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Jumbo

Rate History
1 change since Sep 16, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 16, 2026: 3.75% APYOct 23, 2026: 4.00% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.75%
  • Sep 16, 20263.75%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate - 12 Month (AAA)
$0
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Balance: $100,000 and over (balance cell blank in source; band taken from the grouped row above)

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
12 Month Premium Certificates of Deposit (CD)
$0
4.00% ▲ 0.95% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term CD
$1,000
4.00% ▲ 0.95% above Kansas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year
$1,000
4.00% ▲ 0.95% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
12 Month CD
$500
3.98% ▲ 0.93% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 7, 2026: 3.77% APYOct 3, 2026: 3.98% APYSep 7, 2026Oct 25, 2026
  • Oct 3, 20263.98%▲ from 3.77%
  • Sep 7, 20263.77%first recorded
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 12 Month
$0
3.94% ▲ 0.89% above Kansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.89% above avgNationally 2.99%
Details

Interest Paid: Semi-Annually

Rate History
No change since Oct 14, 2026 · 3.94% APY · checked 3 times
3.44%3.94%4.44%Oct 14, 2026: 3.94% APYOct 14, 2026Oct 25, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificate 1 Year
$500
3.90% ▲ 0.85% above Kansas avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.85% above avgNationally 2.99%
Details

Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship with the Credit Union; rates shown include all available bonuses; minimum required deposit $500; effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month Jumbo Certificate
$50,000
3.90% ▲ 0.85% above Kansas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.85% above avgNationally 2.99%
Details

$50,000 to open

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 12 months
$0
3.90% ▲ 0.85% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.85% above avgNationally 2.99%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 12 Month
$1,000
3.85% ▲ 0.80% above Kansas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.80% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Year Certificate
$2,000
3.85% ▲ 0.80% above Kansas avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.80% above avgNationally 2.99%
Details

CAP Member and Special CD Rates; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 2.25% → 3.85% ▲ 1.60 pts · high 3.85% / low 2.25%
0.65%3.05%5.45%Sep 24, 2026: 2.25% APYOct 22, 2026: 3.85% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20263.85%▲ from 2.25%
  • Sep 24, 20262.25%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 1 Year Certificate
$2,000
3.85% ▲ 0.80% above Kansas avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.80% above avgNationally 2.99%
Details

Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 12 Months
$0
3.85% ▲ 0.80% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.80% above avgNationally 2.99%
Details

Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
Certificate of Deposit - 1 Year
$1,000
3.82% ▲ 0.77% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 0.77% above avgNationally 2.99%
Details

Rates effective as of 6/8/2026

Rate History
No change since Sep 11, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 11, 2026: 3.82% APYSep 11, 2026Oct 25, 2026
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
Share Certificate 12 Months
$500
3.80% ▲ 0.75% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 0.75% above avgNationally 2.99%
Details

Early withdrawal penalties will apply; Dividends Paid Quarterly

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 25, 2026

Clifton 18 Month CD Rates

Kansas 18 Month CD Average2.77% APYNational 2.88%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA - Jumbo
$500
4.55% ▲ 1.78% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.78% above avgNationally 2.88%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 18 Months
$0
4.42% ▲ 1.65% above Kansas avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.65% above avgNationally 2.88%
Details

Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only

Rate History
No change since Oct 14, 2026 · 4.42% APY · checked 3 times
3.92%4.42%4.92%Oct 14, 2026: 4.42% APYOct 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 Month Certificate of Deposit
$500
4.40% ▲ 1.63% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.63% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 18, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35% ▲ 1.58% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 18, 2026: 3.90% APYSep 24, 2026: 4.05% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.35%▲ from 4.05%
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
18 Month IRA/Share Certificate
$0
4.35% ▲ 1.58% above Kansas avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.88%
Details

Rate Type: Fixed

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 25, 2026: 3.90% APYOct 8, 2026: 4.35% APYSep 25, 2026Oct 25, 2026
  • Oct 8, 20264.35%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 18 Month
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18 Month Featured CD
$0
4.31% ▲ 1.54% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.54% above avgNationally 2.88%
Details

Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026

Rate History
No change since Oct 20, 2026 · 4.31% APY · checked 2 times
3.81%4.31%4.81%Oct 20, 2026: 4.31% APYOct 20, 2026Oct 25, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
4.30% ▲ 1.53% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.53% above avgNationally 2.88%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27% ▲ 1.50% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.50% above avgNationally 2.88%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27% ▲ 1.50% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.50% above avgNationally 2.88%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Jumbo 18 Months Special Certificate
$100,000
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Sep 16, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APYSep 16, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 18 Month
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
3.57%4.15%4.73%Sep 14, 2026: 4.07% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.23%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 18 Month
$0
4.18% ▲ 1.41% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.18% ▲ 0.38 pts · high 4.18% / low 3.80%
3.30%3.99%4.68%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.18% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.18%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17% ▲ 1.40% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.40% above avgNationally 2.88%
Details

IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply

Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 21, 2026: 4.17% APYOct 21, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.38% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
18 Month Certificate of Deposit - Compounding Monthly
$500
4.13% ▲ 1.36% above Kansas avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.36% above avgNationally 2.88%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 4.13% APY
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
18 Month CD
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
3.30%3.95%4.60%Sep 19, 2026: 3.80% APYOct 21, 2026: 4.10% APYSep 19, 2026Oct 25, 2026
  • Oct 21, 20264.10%▲ from 3.80%
  • Sep 19, 20263.80%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 18 Month
$1,000
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Dividend Rate: 4.04%; $1,000 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
0.00%3.11%6.23%Sep 14, 2026: 1.97% APYSep 21, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.10%▲ from 1.97%
  • Sep 14, 20261.97%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 18 month
$500
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
0.00%3.11%6.23%Sep 14, 2026: 1.97% APYSep 21, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.10%▲ from 1.97%
  • Sep 14, 20261.97%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

IRA; Interest rate and APY may change after account opening

Rate History
1 change since Sep 7, 2026 · 3.79% → 4.00% ▲ 0.21 pts · high 4.00% / low 3.79%
3.29%3.90%4.50%Sep 7, 2026: 3.79% APYOct 3, 2026: 4.00% APYSep 7, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.79%
  • Sep 7, 20263.79%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 Month
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Months Special Certificate
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Premium Certificates of Deposit (CD)
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificates of Deposit (CDs)
$1,000
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Balance: $10,000.00 and over; Interest compounds quarterly; automatically renews; Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Premier CD
$25,000
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
2.95%3.65%4.35%Sep 18, 2026: 3.45% APYOct 9, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70% ▲ 0.93% above Kansas avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 18 months
$0
3.70% ▲ 0.93% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
18 Month Certificate of Deposit
$500
3.69% ▲ 0.92% above Kansas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
2.57%3.41%4.25%Sep 7, 2026: 3.13% APYSep 27, 2026: 3.69% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20263.69%▲ from 3.13%
  • Sep 7, 20263.13%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
18 Month IRA
$500
3.69% ▲ 0.92% above Kansas avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.88%
Details

Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
2.57%3.41%4.25%Sep 7, 2026: 3.13% APYSep 27, 2026: 3.69% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20263.69%▲ from 3.13%
  • Sep 7, 20263.13%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
18 Month CD
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
IRA - 18 Month CD
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

IRA certificate

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
18 Month Variable IRA
$25
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Interest Compounded: Quarterly with rates adjusted quarterly

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 25, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Classic CD
$500
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.65%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 18 Month (Jumbo)
$0
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 18 Month
$0
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Balance: $1,000 and over

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
IRA Certificates of Deposit - 18 Month
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
IRA Certificates of Deposit - Variable Rate 18 Month
$100
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Interest Compounded and Credited Quarterly; Rates are variable and may change after account opening; An early withdrawal penalty may be assessed

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificate 1.5 Year
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship with the Credit Union; rates shown include all available bonuses; minimum required deposit $500; effective 7/10/2026

Rate History
No change since Oct 19, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 19, 2026: 3.60% APYOct 19, 2026Oct 25, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 18 Month
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Dividend Paid: Monthly, Quarterly, Semiannually or at Maturity

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 18 months
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate
$500
3.56% ▲ 0.79% above Kansas avg
View
▼
Rate3.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 18 Month
$0
3.55% ▲ 0.78% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.78% above avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026

Clifton 24 Month CD Rates

Kansas 24 Month CD Average2.84% APYNational 2.90%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA - Jumbo
$500
4.55% ▲ 1.71% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.71% above avgNationally 2.90%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 24 Months
$0
4.50% ▲ 1.66% above Kansas avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.66% above avgNationally 2.90%
Details

Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Variable Rate Certificate of Deposit
$100
4.49% ▲ 1.65% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.65% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
No change since Sep 28, 2026 · 4.49% APY · checked 3 times
3.99%4.49%4.99%Sep 28, 2026: 4.49% APYSep 28, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 2 Year
$100
4.49% ▲ 1.65% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.65% above avgNationally 2.90%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
3.68%4.34%4.99%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.49% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.56% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 1.56% above avgNationally 2.90%
Details

Open Online

Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 3.95% APYSep 24, 2026: 4.00% APYOct 14, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.00%
  • Sep 24, 20264.00%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Variable Rate Certificate of Deposit
$100
4.39% ▲ 1.55% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.55% above avgNationally 2.90%
Details

Balance: $0 - $99,999.99

Rate History
No change since Sep 28, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Sep 28, 2026: 4.39% APYSep 28, 2026Oct 25, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 2 Year
$100
4.39% ▲ 1.55% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.55% above avgNationally 2.90%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.18% → 4.39% ▲ 0.21 pts · high 4.39% / low 4.18%
3.68%4.29%4.89%Sep 14, 2026: 4.18% APYSep 24, 2026: 4.39% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.39%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
4.30% ▲ 1.46% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.46% above avgNationally 2.90%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 24 Month
$0
4.27% ▲ 1.43% above Kansas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 9, 2026 · 4.27% APY · checked 3 times
3.77%4.27%4.77%Sep 9, 2026: 4.27% APYSep 9, 2026Oct 25, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 2 Year
$0
4.27% ▲ 1.43% above Kansas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.43% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.27% ▲ 0.44 pts · high 4.27% / low 3.83%
3.33%4.05%4.77%Sep 14, 2026: 3.83% APYSep 24, 2026: 4.27% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.27%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 2 Year
$0
4.25% ▲ 1.41% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 24 Month
$500
4.25% ▲ 1.41% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details

Share Certificate; $500 minimum to open; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
1.83%3.65%5.46%Sep 22, 2026: 3.04% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.04%
  • Sep 22, 20263.04%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 24 month
$500
4.25% ▲ 1.41% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details

$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends

Rate History
1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
1.83%3.65%5.46%Sep 14, 2026: 3.04% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Premium Certificates of Deposit (CD)
$0
4.20% ▲ 1.36% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.36% above avgNationally 2.90%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
24 Month Certificate of Deposit - Compounding Monthly
$500
4.18% ▲ 1.34% above Kansas avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.34% above avgNationally 2.90%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 24 months
$0
4.11% ▲ 1.27% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.27% above avgNationally 2.90%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 25, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
24 Month CD Special
$2,500
4.10% ▲ 1.26% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 25, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
Certificates of Deposit (CDs) - 2 year
$1,000
4.10% ▲ 1.26% above Kansas avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details

Rates effective as of 10/06/2026; Penalty for early withdrawal; Fees may reduce earnings

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
24 Month Business Share Certificate
$500
4.10% ▲ 1.26% above Kansas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
24 Month Share Certificate
$500
4.10% ▲ 1.26% above Kansas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 25, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Fixed IRA
$1,000
4.05% ▲ 1.21% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.21% above avgNationally 2.90%
Details

IRA

Rate History
1 change since Sep 7, 2026 · 0.50% → 4.05% ▲ 3.55 pts · high 4.05% / low 0.50%
0.00%3.80%7.60%Sep 7, 2026: 0.50% APYOct 3, 2026: 4.05% APYSep 7, 2026Oct 25, 2026
  • Oct 3, 20264.05%▲ from 0.50%
  • Sep 7, 20260.50%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 2 Year
$1,000
4.05% ▲ 1.21% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month CD
$0
4.01% ▲ 1.17% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.17% above avgNationally 2.90%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 9 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 25, 2026
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CD - 2 year
$500
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Personal; Interest Compounded: Quarterly

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2 Year Certificate
$2,000
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

CAP Member and Special CD Rates; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 24, 2026: 3.00% APYOct 22, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 2 Year Certificate
$2,000
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Months Certificate
$1,000
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Rate History
1 change since Sep 16, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 16, 2026: 3.50% APYOct 23, 2026: 4.00% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 24 Month
$500
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 24 Month
$500
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 24 Month
$1,000
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Dividend Rate: 3.94%; $1,000 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 2.20% → 4.00% ▲ 1.80 pts · high 4.00% / low 2.20%
0.40%3.10%5.80%Sep 14, 2026: 2.20% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 24 month
$500
4.00% ▲ 1.16% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 2.20% → 4.00% ▲ 1.80 pts · high 4.00% / low 2.20%
0.40%3.10%5.80%Sep 14, 2026: 2.20% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 24 months
$0
4.00% ▲ 1.16% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates of Deposit (CDs)
$1,000
3.85% ▲ 1.01% above Kansas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.01% above avgNationally 2.90%
Details

Balance: $10,000.00 and over; Interest compounds quarterly; automatically renews; Substantial Penalty for Early Withdrawal

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2 Year Certificate of Deposit
$500
3.79% ▲ 0.95% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 0.95% above avgNationally 2.90%
Details

Rate History
1 change since Sep 7, 2026 · 3.03% → 3.79% ▲ 0.76 pts · high 3.79% / low 3.03%
2.27%3.41%4.55%Sep 7, 2026: 3.03% APYSep 27, 2026: 3.79% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20263.79%▲ from 3.03%
  • Sep 7, 20263.03%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2 Year IRA
$500
3.79% ▲ 0.95% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 0.95% above avgNationally 2.90%
Details

Rate History
1 change since Sep 7, 2026 · 3.03% → 3.79% ▲ 0.76 pts · high 3.79% / low 3.03%
2.27%3.41%4.55%Sep 7, 2026: 3.03% APYSep 27, 2026: 3.79% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20263.79%▲ from 3.03%
  • Sep 7, 20263.03%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 24 Months
$0
3.75% ▲ 0.91% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 0.91% above avgNationally 2.90%
Details

Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Share Certificates
$2,000
3.75% ▲ 0.91% above Kansas avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.91% above avgNationally 2.90%
Details

Effective as of 4/01/2026; *APY= Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.70% ▲ 0.86% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 0.86% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month Short-Term Certificate
$0
3.66% ▲ 0.82% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 0.82% above avgNationally 2.90%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month CD
$1,000
3.65% ▲ 0.81% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month Certificate
$500
3.64% ▲ 0.80% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.80% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month EasyStart Certificate
$50
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 25, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
24 Month Certificate of Deposit
$500
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.60% ▲ 0.57 pts · high 3.60% / low 3.03%
2.46%3.31%4.17%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
IRA Certificates of Deposit - 24 Month
$500
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 Year IRA/Share Certificate
$0
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Rate Type: Fixed

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 25, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
2 Year Premier CD
$25,000
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.54%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
2.90%3.50%4.10%Sep 18, 2026: 3.40% APYOct 9, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
  • Oct 9, 20263.60%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 24 Month (Jumbo)
$0
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 24 Month
$0
3.60% ▲ 0.76% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.76% above avgNationally 2.90%
Details

Balance: $1,000 and over

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 Month Share Certificate
$0
3.56% ▲ 0.72% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.72% above avgNationally 2.90%
Details

Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificate of Deposit - 2 Years
$1,000
3.55% ▲ 0.71% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 25, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded

Clifton 36 Month CD Rates

Kansas 36 Month CD Average2.82% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Year
$100
4.73% ▲ 1.91% above Kansas avg
View
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.91% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
3.87%4.55%5.23%Sep 14, 2026: 4.37% APYSep 24, 2026: 4.73% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Year
$100
4.63% ▲ 1.81% above Kansas avg
View
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.81% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.37% → 4.63% ▲ 0.26 pts · high 4.63% / low 4.37%
3.87%4.50%5.13%Sep 14, 2026: 4.37% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.63%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA - Jumbo
$500
4.55% ▲ 1.73% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.73% above avgNationally 2.81%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 36 Month
$0
4.37% ▲ 1.55% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.55% above avgNationally 2.81%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 25, 2026
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month High Balance CD
$100,000
4.34% ▲ 1.52% above Kansas avg
View
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.52% above avgNationally 2.81%
Details

Rates for High Balance CD's

Rate History
1 change since Oct 8, 2026 · 2.63% → 4.34% ▲ 1.71 pts · high 4.34% / low 2.63%
0.92%3.49%6.05%Oct 8, 2026: 2.63% APYOct 23, 2026: 4.34% APYOct 8, 2026Oct 25, 2026
  • Oct 23, 20264.34%▲ from 2.63%
  • Oct 8, 20262.63%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
4.30% ▲ 1.48% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.48% above avgNationally 2.81%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Months Certificate
$1,000
4.25% ▲ 1.43% above Kansas avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 16, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50%
0.75%3.38%6.00%Sep 16, 2026: 2.50% APYOct 23, 2026: 4.25% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 2.50%
  • Sep 16, 20262.50%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 36 Month
$500
4.25% ▲ 1.43% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 36 Month
$500
4.25% ▲ 1.43% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 36 Month
$500
4.25% ▲ 1.43% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details

Share Certificate; $500 minimum to open; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 22, 2026: 3.45% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.45%
  • Sep 22, 20263.45%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 36 month
$500
4.25% ▲ 1.43% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details

$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 14, 2026: 3.45% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Premium Certificates of Deposit (CD)
$0
4.20% ▲ 1.38% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.38% above avgNationally 2.81%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.33% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36-Month CD
$0
4.15% ▲ 1.33% above Kansas avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.33% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 9 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 36 months
$0
4.11% ▲ 1.29% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.29% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.28% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Year Certificate
$2,000
4.10% ▲ 1.28% above Kansas avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details

CAP Member and Special CD Rates; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 2.50% → 4.10% ▲ 1.60 pts · high 4.10% / low 2.50%
0.90%3.30%5.70%Sep 24, 2026: 2.50% APYOct 22, 2026: 4.10% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20264.10%▲ from 2.50%
  • Sep 24, 20262.50%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 3 Year Certificate
$2,000
4.10% ▲ 1.28% above Kansas avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details

Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 3 Year
$0
4.06% ▲ 1.24% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.24% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year Certificate of Deposit
$500
4.04% ▲ 1.22% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 7, 2026: 2.62% APYSep 27, 2026: 4.04% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20264.04%▲ from 2.62%
  • Sep 7, 20262.62%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year IRA
$500
4.04% ▲ 1.22% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
1.20%3.33%5.46%Sep 7, 2026: 2.62% APYSep 27, 2026: 4.04% APYSep 7, 2026Oct 25, 2026
  • Sep 27, 20264.04%▲ from 2.62%
  • Sep 7, 20262.62%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Share Certificates
$0
4.00% ▲ 1.18% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details

Rates effective 12/15/2025

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year Special Certificate
$0
4.00% ▲ 1.18% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details

Annual % Rate 3.94%; Annual % Yield 4.00%; Rate code (U)

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 36 months
$0
4.00% ▲ 1.18% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
36 Month CD Special
$2,500
3.90% ▲ 1.08% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 25, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 3 Year
$0
3.90% ▲ 1.08% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025

Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 15, 2026: 3.90% APYOct 15, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 36 Month
$1,000
3.90% ▲ 1.08% above Kansas avg
View
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details

Dividend Rate: 3.84%; $1,000 minimum deposit on all terms

Rate History
2 changes since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
0.60%3.08%5.55%Sep 14, 2026: 2.25% APYSep 21, 2026: 3.84% APYOct 9, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.90%▲ from 3.84%
  • Sep 21, 20263.84%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 36 month
$500
3.90% ▲ 1.08% above Kansas avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
0.60%3.08%5.55%Sep 14, 2026: 2.25% APYSep 21, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20263.90%▲ from 2.25%
  • Sep 14, 20262.25%first recorded
CommunityAmerica Credit Union
36 Month Business Share Certificate
$500
3.85% ▲ 1.03% above Kansas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.03% above avgNationally 2.81%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
36 Month Share Certificate
$500
3.85% ▲ 1.03% above Kansas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 25, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Fixed IRA
$1,000
3.80% ▲ 0.98% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 0.98% above avgNationally 2.81%
Details

IRA

Rate History
1 change since Sep 7, 2026 · 0.45% → 3.80% ▲ 3.35 pts · high 3.80% / low 0.45%
0.00%3.57%7.15%Sep 7, 2026: 0.45% APYOct 3, 2026: 3.80% APYSep 7, 2026Oct 25, 2026
  • Oct 3, 20263.80%▲ from 0.45%
  • Sep 7, 20260.45%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Year
$1,000
3.80% ▲ 0.98% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 Month Share Certificate
$0
3.76% ▲ 0.94% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.94% above avgNationally 2.81%
Details

Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+

Rate History
No change since Oct 14, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 14, 2026: 3.76% APYOct 14, 2026Oct 25, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 36 Months
$0
3.75% ▲ 0.93% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.93% above avgNationally 2.81%
Details

Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Share Certificates
$2,000
3.70% ▲ 0.88% above Kansas avg
View
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.88% above avgNationally 2.81%
Details

Effective as of 4/01/2026; *APY= Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.65% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month CD
$1,000
3.65% ▲ 0.83% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month CD
$0
3.65% ▲ 0.83% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Companion CD Accounts - 36 Months
$0
3.65% ▲ 0.83% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

Interest compounded: Quarterly

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 36 Month (Jumbo)
$0
3.65% ▲ 0.83% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 36 Month
$0
3.65% ▲ 0.83% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.83% above avgNationally 2.81%
Details

Balance: $1,000 and over

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month Certificate
$500
3.64% ▲ 0.82% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.82% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 2 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.57% ▲ 0.75% above Kansas avg
View
▼
Rate3.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.75% above avgNationally 2.81%
Details

Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 3.57% APY
3.07%3.57%4.07%Oct 22, 2026: 3.57% APYOct 22, 2026Oct 25, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA Certificate of Deposit - 36-Month Fixed Rate
$500
3.56% ▲ 0.74% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.74% above avgNationally 2.81%
Details

Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
36 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.74% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.74% above avgNationally 2.81%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA Certificate of Deposit - 3 Year
$50
3.55% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 0.73% above avgNationally 2.81%
Details

Opening/Maintain Minimum

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 25, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificate of Deposit - 3 Years
$1,000
3.55% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 0.73% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 25, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 36 Month
$0
3.55% ▲ 0.73% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.73% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999.99; Standard CD; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
36-Month Share Certificate
$0
3.52% ▲ 0.70% above Kansas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.70% above avgNationally 2.81%
Details

Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 3.52% APY
3.02%3.52%4.02%Oct 22, 2026: 3.52% APYOct 22, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
36 Month Certificate of Deposit
$500
3.51% ▲ 0.69% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.69% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded

Clifton 48 Month CD Rates

Kansas 48 Month CD Average2.74% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 4 Year
$100
4.74% ▲ 2.00% above Kansas avg
View
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 2.00% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
3.92%4.58%5.24%Sep 14, 2026: 4.42% APYSep 24, 2026: 4.74% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 4 Year
$100
4.64% ▲ 1.90% above Kansas avg
View
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.90% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.42% → 4.64% ▲ 0.22 pts · high 4.64% / low 4.42%
3.92%4.53%5.14%Sep 14, 2026: 4.42% APYSep 24, 2026: 4.64% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.64%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA - Jumbo
$500
4.55% ▲ 1.81% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Business Certificate
$0
4.55% ▲ 1.81% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 30, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Sep 30, 2026: 4.50% APYOct 14, 2026: 4.55% APYSep 30, 2026Oct 25, 2026
  • Oct 14, 20264.55%▲ from 4.50%
  • Sep 30, 20264.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$0
4.55% ▲ 1.81% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details

Balance: $250,000 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Business Certificates
$0
4.55% ▲ 1.81% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details

Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Certificate
$0
4.55% ▲ 1.81% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details

IRA/HSA Certificate Rates - $250,000 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Business Certificate
$0
4.50% ▲ 1.76% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 30, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Sep 30, 2026: 4.50% APYOct 14, 2026: 4.55% APYOct 19, 2026: 4.50% APYSep 30, 2026Oct 25, 2026
  • Oct 19, 20264.50%▼ from 4.55%
  • Oct 14, 20264.55%▲ from 4.50%
  • Sep 30, 20264.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$500
4.50% ▲ 1.76% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Balance: $500 - $249,999

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Certificate
$0
4.50% ▲ 1.76% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999

Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month IRA/HSA Certificate
$0
4.50% ▲ 1.76% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details

Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00

Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 30, 2026: 4.50% APYSep 30, 2026Oct 25, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
Certificate - 48 months
$0
4.50% ▲ 1.76% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details

APY*

Rate History
1 change since Sep 30, 2026 · 4.55% → 4.50% ▼ 0.05 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Sep 30, 2026: 4.55% APYOct 6, 2026: 4.50% APYSep 30, 2026Oct 25, 2026
  • Oct 6, 20264.50%▼ from 4.55%
  • Sep 30, 20264.55%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 48 Month
$0
4.37% ▲ 1.63% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 25, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
4.30% ▲ 1.56% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.56% above avgNationally 2.81%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 48 Month
$500
4.25% ▲ 1.51% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 48 Month
$500
4.25% ▲ 1.51% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 48 Month
$500
4.25% ▲ 1.51% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details

Share Certificate; $500 minimum to open; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
2.87%3.91%4.94%Sep 22, 2026: 3.56% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.56%
  • Sep 22, 20263.56%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 48 month
$500
4.25% ▲ 1.51% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details

$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
2.87%3.91%4.94%Sep 14, 2026: 3.56% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 4 Year
$0
4.06% ▲ 1.32% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Months Certificate
$1,000
4.00% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 16, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 16, 2026: 3.50% APYOct 23, 2026: 4.00% APYSep 16, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.50%
  • Sep 16, 20263.50%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 4 Year
$0
4.00% ▲ 1.26% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 48 Month
$1,000
4.00% ▲ 1.26% above Kansas avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details

Dividend Rate: 3.94%; $1,000 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
0.70%3.18%5.65%Sep 14, 2026: 2.35% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.00%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 48 month
$500
4.00% ▲ 1.26% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details

$500 minimum deposit on all terms

Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
0.70%3.18%5.65%Sep 14, 2026: 2.35% APYSep 21, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 21, 20264.00%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
CommunityAmerica Credit Union
48 Month Business Share Certificate
$500
3.95% ▲ 1.21% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.21% above avgNationally 2.81%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
48 Month Share Certificate
$500
3.95% ▲ 1.21% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.90% ▲ 1.16% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 1.16% above avgNationally 2.81%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Premium Certificates of Deposit (CD)
$0
3.90% ▲ 1.16% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.16% above avgNationally 2.81%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$0
3.82% ▲ 1.08% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.08% above avgNationally 2.81%
Details

Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+

Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate - DDEP Bonus
$1,000
3.75% ▲ 1.01% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms

Rate History
No change since Oct 20, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 48 Months
$0
3.75% ▲ 1.01% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month CD
$0
3.75% ▲ 1.01% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Adjustable Rate IRA
$0
3.75% ▲ 1.01% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; IRA holders age 59.5 and older can request a rate bump once every 6 months

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Certificate of Deposit
$0
3.75% ▲ 1.01% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

Interest compounded Quarterly; Footnote *: Certificates of Deposit and IRAs only

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Certificate of Deposit - 48 Months
$0
3.75% ▲ 1.01% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details

Interest Compounded: Quarterly; Certificates of Deposit and IRAs only

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 48 months
$0
3.70% ▲ 0.96% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.96% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate
$100,000
3.65% ▲ 0.91% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.91% above avgNationally 2.81%
Details

JUMBO certificate

Rate History
No change since Oct 20, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month CD
$1,000
3.65% ▲ 0.91% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month CD
$0
3.60% ▲ 0.86% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.86% above avgNationally 2.81%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 48 months
$0
3.60% ▲ 0.86% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.86% above avgNationally 2.81%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
48 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.82% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.82% above avgNationally 2.81%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$0
3.56% ▲ 0.82% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.82% above avgNationally 2.81%
Details

Avg Daily Balance Required to Earn Dividends: $500

Rate History
No change since Oct 1, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 1, 2026: 3.56% APYOct 1, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Jump Rate
$0
3.55% ▲ 0.81% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.81% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificate of Deposit - 4 Years
$1,000
3.55% ▲ 0.81% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.74%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 25, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 48 Month (Jumbo)
$0
3.55% ▲ 0.81% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.81% above avgNationally 2.81%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 48 Month
$0
3.55% ▲ 0.81% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.81% above avgNationally 2.81%
Details

Balance: $1,000 and over

Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 25, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Fixed IRA
$1,000
3.54% ▲ 0.80% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 0.80% above avgNationally 2.81%
Details

IRA

Rate History
1 change since Sep 7, 2026 · 0.60% → 3.54% ▲ 2.94 pts · high 3.54% / low 0.60%
0.00%3.24%6.48%Sep 7, 2026: 0.60% APYOct 3, 2026: 3.54% APYSep 7, 2026Oct 25, 2026
  • Oct 3, 20263.54%▲ from 0.60%
  • Sep 7, 20260.60%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 4 Year
$1,000
3.54% ▲ 0.80% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 0.80% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.54% APY · checked 3 times
3.04%3.54%4.04%Oct 14, 2026: 3.54% APYOct 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
48 Month Certificate of Deposit
$500
3.51% ▲ 0.77% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate
$1,000
3.50% ▲ 0.76% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
Certificates of Deposit (CDs) - 4 year
$1,000
3.50% ▲ 0.76% above Kansas avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 0.76% above avgNationally 2.81%
Details

Rates effective as of 10/06/2026; Penalty for early withdrawal; Fees may reduce earnings

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026

Clifton 60 Month CD Rates

Kansas 60 Month CD Average2.87% APYNational 2.92%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 5 Year
$1,000
4.79% ▲ 1.92% above Kansas avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.92% above avgNationally 2.92%
Details

Balance: $100,000+

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
3.98%4.64%5.29%Sep 14, 2026: 4.48% APYSep 24, 2026: 4.79% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 5 Year
$1,000
4.69% ▲ 1.82% above Kansas avg
View
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.82% above avgNationally 2.92%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.48% → 4.69% ▲ 0.21 pts · high 4.69% / low 4.48%
3.98%4.59%5.19%Sep 14, 2026: 4.48% APYSep 24, 2026: 4.69% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.69%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA - Jumbo
$500
4.55% ▲ 1.68% above Kansas avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.68% above avgNationally 2.92%
Details

Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met

Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
3.53%4.30%5.06%Oct 14, 2026: 4.04% APYOct 20, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.55%▲ from 4.04%
  • Oct 14, 20264.04%first recorded
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates Of Deposit - 60 Months
$1,000
4.50% ▲ 1.63% above Kansas avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.63% above avgNationally 2.92%
Details

Compounded: Quarterly; Open Online: Click to Open

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APYSep 24, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 60 Month
$0
4.37% ▲ 1.50% above Kansas avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.50% above avgNationally 2.92%
Details

Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
3.87%4.37%4.87%Sep 9, 2026: 4.37% APYSep 9, 2026Oct 25, 2026
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
4.30% ▲ 1.43% above Kansas avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.43% above avgNationally 2.92%
Details

Standard rate; Minimum Opening Deposit: $500

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
3.28%4.05%4.81%Sep 24, 2026: 3.79% APYOct 20, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.30%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
60-Month CD
$0
4.30% ▲ 1.43% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.43% above avgNationally 2.92%
Details

Featured rate; Open online or at any CapFed branch

Rate History
No change since Oct 21, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 21, 2026: 4.30% APYOct 21, 2026Oct 25, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 60 Month
$500
4.25% ▲ 1.38% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.92%
Details

Share Certificate; $500 minimum to open; penalty for early withdrawal

Rate History
1 change since Sep 22, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 22, 2026: 3.66% APYOct 13, 2026: 4.25% APYSep 22, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.66%
  • Sep 22, 20263.66%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 60 month
$500
4.25% ▲ 1.38% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.92%
Details

$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 14, 2026: 3.66% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month CD
$500
4.22% ▲ 1.35% above Kansas avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.35% above avgNationally 2.92%
Details

Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 9 times
3.72%4.22%4.72%Sep 19, 2026: 4.22% APYSep 19, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate - DDEP Bonus
$100,000
4.15% ▲ 1.28% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.28% above avgNationally 2.92%
Details

JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 5 Year
$0
4.06% ▲ 1.19% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.19% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
3.33%3.95%4.56%Sep 14, 2026: 3.83% APYSep 24, 2026: 4.06% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate - DDEP Bonus
$1,000
4.00% ▲ 1.13% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details

DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5 Year Certificate
$2,000
4.00% ▲ 1.13% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details

CAP Member and Special CD Rates; Early withdrawal penalty applies

Rate History
1 change since Sep 24, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 24, 2026: 3.00% APYOct 22, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 5 Year Certificate
$2,000
4.00% ▲ 1.13% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details

Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
60 Month Business Share Certificate
$500
3.95% ▲ 1.08% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.92%
Details

Rates effective as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 25, 2026
CommunityAmerica Credit Union
60 Month Share Certificate
$500
3.95% ▲ 1.08% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.92%
Details

Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90% ▲ 1.03% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate
$100,000
3.90% ▲ 1.03% above Kansas avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.92%
Details

JUMBO certificate

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month Share Certificate
$0
3.87% ▲ 1.00% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.00% above avgNationally 2.92%
Details

Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+

Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 14, 2026: 3.87% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85% ▲ 0.98% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month CD
$0
3.85% ▲ 0.98% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.92%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$1,000
3.75% ▲ 0.88% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 60 Months
$0
3.75% ▲ 0.88% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details

Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.88% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details

Interest compounded Quarterly; Footnote *: Certificates of Deposit and IRAs only; Footnote ***: New Roth IRA Certificates of Deposit only

Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Certificate of Deposit - 60 Months
$0
3.75% ▲ 0.88% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details

Interest Compounded: Quarterly; Certificates of Deposit and IRAs only; New Roth IRA Certificates of Deposit only

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Companion CD Accounts - 60 Months
$0
3.70% ▲ 0.83% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.92%
Details

Interest compounded: Quarterly

Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Premium Certificates of Deposit (CD)
$0
3.70% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.92%
Details

Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month CD
$1,000
3.65% ▲ 0.78% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 0.78% above avgNationally 2.92%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 25, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Jump Rate
$0
3.65% ▲ 0.78% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.78% above avgNationally 2.92%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month Share Certificate
$0
3.61% ▲ 0.74% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.74% above avgNationally 2.92%
Details

Avg Daily Balance Required to Earn Dividends: $500

Rate History
No change since Oct 1, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 1, 2026: 3.61% APYOct 1, 2026Oct 25, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
60-Month CD
$0
3.60% ▲ 0.73% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.73% above avgNationally 2.92%
Details

Early withdrawal penalty applies

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 25, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 60 months
$0
3.60% ▲ 0.73% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.73% above avgNationally 2.92%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
60 Month Certificate of Deposit - Compounding Monthly
$500
3.56% ▲ 0.69% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.69% above avgNationally 2.92%
Details

Fixed Rate; Interest compounded monthly

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA Certificate of Deposit - 5 Year
$50
3.55% ▲ 0.68% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Opening/Maintain Minimum

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 25, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificate of Deposit - 5 Years
$1,000
3.55% ▲ 0.68% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Oct 8, 2026: 3.50% APYOct 12, 2026: 3.55% APYOct 8, 2026Oct 25, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
60 Month IRA CD
$0
3.55% ▲ 0.68% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Balance: > $75,000

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificate - 60 Month CD
$0
3.55% ▲ 0.68% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.87%▲ 0.68% above avgNationally 2.92%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
60 Month Certificate of Deposit
$500
3.51% ▲ 0.64% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.64% above avgNationally 2.92%
Details

Rate History
1 change since Sep 18, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 18, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 60 months
$0
3.51% ▲ 0.64% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.64% above avgNationally 2.92%
Details

Balance: $500.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 25, 2026
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
60 Month Certificate of Deposit
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Fixed Rate: Non-Compounding

Rate History
1 change since Sep 24, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 24, 2026: 3.00% APYOct 22, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20263.50%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Individual Retirement Account - 5 Years
$1,000
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Business Certificates - 60 Month
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
Certificates - 60 Month
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
5 Year IRA Certificates
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Dividends paid monthly; $500 minimum to open; In-Branch Only

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Business Simple Share Certificate - 5 Years
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
Share Certificate - 5 Years
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
60 Month Share and IRA Certificates
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Dividend Rate 3.45%; $500 min

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Share Certificate 5 Year
$500
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Rates below apply to both Share Certificates and IRA Share Certificates unless otherwise noted; rates vary based on member relationship with the Credit Union; rates shown include all available bonuses; minimum required deposit $500; effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 60 Month (Jumbo)
$0
3.50% ▲ 0.63% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details

Balance: $50,000 and over; Jumbo; APY accurate as of 5/26/2026

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
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.

Top CD Rates from Clifton, Kansas Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Grant County Bank
Certificates of Deposit (CDs) - 5 Year
A 5.0 ★ TX: 10.01%
Min: $1,000
4.79%
Mid-America Bank
1 Year CD or IRA - Jumbo
A+ 5.0 ★ TX: 1.02%
Min: $500
4.55%
Midwest Heritage Bank
Certificate of Deposit 24 Months
A 5.0 ★ TX: 9.76%
Min: $0
4.50%
TriCentury Bank
Certificates Of Deposit - 60 Months
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.50%
Academy Bank
18 Month Certificate of Deposit
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
CU Top 5 Credit Union Rates
Topeka Police Credit Union
Kid's Certificates - 6 Month
A+ 5.0 ★ TX: 0.27%
Min: $100
5.00%
Heartland Credit Union Hutchinson, KS
48 Month Business Certificate
A 5.0 ★ TX: 9.12%
Min: $0
4.55%
Topeka Firemens Credit Union
1 Year Share Certificates
A+ 5.0 ★ TX: 0.05%
Min: $0
4.55%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Communication Federal Credit Union
18 Month IRA/Share Certificate
A 5.0 ★ TX: 6.32%
Min: $0
4.35%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Clifton, KS CD Rate Trends

Compare local Clifton, 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.

View Full Kansas CD Trends
12-Month CD KS Avg
3.052%
▲ 0.032 vs 7 days ago

Kansas 12-month CD rates rose 0.032 points over the past 7 days to 3.052% APY.

6-Month CD KS Avg
2.707%
▼ 0.003 vs 7 days ago

Kansas 6-month CD rates fell 0.003 points over the past 7 days to 2.707% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

KS CD Rate Forecast, Next 12 Months

Where are Kansas CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

KS 12-Month Avg APY
3.052%
6-Month Forecast
3.052%
Range: 2.85%, 3.20%
12-Month Forecast
3.302%
Range: 3.10%, 3.45%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Kansas average 12-month CD APY in our database.

Spread model: The Kansas 12-month CD average currently trades 1.32% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.950% $97.52 $195.04 $487.60 $975.20
6-Month CD 2.707% $135.34 $270.67 $676.68 $1,353.35
12-Month CD 3.052% $152.60 $305.19 $762.97 $1,525.95
18-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
24-Month CD 2.839% $141.94 $283.88 $709.70 $1,419.40
36-Month CD 2.815% $140.77 $281.53 $703.83 $1,407.65
48-Month CD 2.739% $136.97 $273.94 $684.85 $1,369.70
60-Month CD 2.866% $143.31 $286.61 $716.53 $1,433.05
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Clifton, 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.

Build Your Ladder
Rung Term Deposit KS Avg APY Annual Earnings
1 3-Month CD $5,000 1.950% $97.52
2 6-Month CD $5,000 2.707% $135.34
3 12-Month CD $5,000 3.052% $152.60
4 24-Month CD $5,000 2.839% $141.94
5 36-Month CD $5,000 2.815% $140.77
Total ($25,000 invested) $25,000 2.673% blended $668.17/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.

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1,316
CD Rates
Tracked in Clifton, Kansas
81 Banks 46 Credit Unions

About Our Clifton, Kansas CD Rate Database

MonitorBankRates tracks 1,316 CD rates from 81 banks and 46 credit unions with locations in Clifton, 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Topeka Police Credit Union offers a CD at 5.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Clifton, Kansas.

How to Find the Best CD Rates in Clifton, Kansas

What to compare when shopping for a CD in Clifton, Kansas

To find the best APYs in Clifton, Kansas, start with credit unions and online-only banks: Clifton, Kansas has 46 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 Clifton, 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 Clifton, Kansas: 127 institutions here report CD rates

Consider an Alternative If…

Kansas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,089
National avg: $47,340
Poverty Rate
11.3%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$132/yr
At KS 12-mo avg 3.052% APY

17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 3.052%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $132 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 Clifton, 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 to 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

How Certificates of Deposit Work in Clifton, Kansas

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Clifton, Kansas typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Clifton, Kansas as everywhere in the U.S.

Choosing a CD Term in Clifton, Kansas

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Clifton, Kansas savers easier access to their funds. For example, Topeka Police Credit Union is offering its Kid's Certificates - 6 Month at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Grant County Bank is offering its Certificates of Deposit (CDs) - 5 Year at 4.79% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Clifton, Kansas Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Clifton, Kansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Clifton, Kansas

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Clifton, Kansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Clifton, Kansas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Clifton, Kansas depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Clifton, Kansas

Are CD rates in Clifton, Kansas FDIC insured?

Yes, most established banks in Clifton, 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 Clifton, 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 Clifton, 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 Clifton, 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 Clifton, Kansas?

Here are recent top rates found for this area:
  • Topeka Police Credit Union: 5.00% APY (Kid's Certificates - 6 Month)
  • Grant County Bank: 4.79% APY (Certificates of Deposit (CDs) - 5 Year)
  • Mid-America Bank: 4.55% APY (1 Year CD or IRA - Jumbo)
  • Heartland Credit Union Hutchinson, KS: 4.55% APY (48 Month Business Certificate)
  • Topeka Firemens Credit Union: 4.55% APY (1 Year Share Certificates)
  • Midwest Heritage Bank: 4.50% APY (Certificate of Deposit 24 Months)
  • TriCentury Bank: 4.50% APY (Certificates Of Deposit - 60 Months)
  • Academy Bank: 4.40% APY (18 Month Certificate of Deposit)
  • Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
  • Farmers and Merchants Bank Milligan, NE: 4.37% APY (Certificates of Deposit - 36 Month)
Rates reflect recent verified offers available in Clifton, Kansas. Last Updated: October 23, 2026

Clifton, Kansas CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Clifton, Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Clifton, Kansas CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Clifton, Kansas. Averages shown use the Kansas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Clifton, Kansas

Clifton, Kansas CD Calculator

At today’s KS top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Clifton, Kansas CD Ladder

KS CD rates currently range from 1.950% (3-month) to 2.815% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Clifton, Kansas CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Kansas’s average 12-month CD is 3.052% 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 Clifton, 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 Clifton, 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 Clifton, 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: October 23, 2026

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