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CD Rate Trends

Emporia, 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 14, 2026

Emporia, Kansas CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Emporia, Kansas CD rates include Emporia State Federal Credit UnionEmporia State Federal Credit Union310 W 12th Ave, Emporia, KS 66801A+5.0 ★Texas Ratio: 2.84%Real return: +1.45%APY minus CPI (February 2026) offering Jumbo 18 Months Special Certificate at 4.25% APY, ESB FinancialESB Financial801 Merchant St, Emporia, KS 66801A5.0 ★Texas Ratio: 13.44%Real return: +0.90%APY minus CPI (February 2026) offering 60 Month Companion CD Accounts at 3.70% APY, Credit Union of EmporiaCredit Union of Emporia2711 W 15TH AVE, EMPORIA, KS 66801A+5.0 ★Texas Ratio: 1.03%Real return: +0.84%APY minus CPI (February 2026) offering 24 Month Certificate at 3.64% APY, Capitol Federal Savings BankCapitol Federal Savings Bank602 Commercial St, Emporia, KS 66801A+5.0 ★Texas Ratio: 5.21%Real return: -0.55%APY minus CPI (February 2026) offering 12 Month Blue Bucks Kids' Certificate of Deposit at 2.25% APY, and Topeka Police Credit UnionTopeka Police Credit UnionA+5.0 ★Texas Ratio: 0.27%Real return: +2.20%APY minus CPI (February 2026) offering Kid's Certificates 6 Month at 5.00% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Emporia has 18 local institutions in our database, with CD rates as high as 4.25% APY from Emporia State Federal Credit Union at 310 W 12th Ave, Emporia, KS 66801. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Kansas area. Rates are continually updated, 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 14, 2026

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

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Emporia 3 Month CD Rates

Kansas 3 Month CD Average1.97% APYNational 2.09%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3-Month CD
$0
4.05% ▲ 2.08% above Kansas avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 2.08% above avgNationally 2.09%
Details

Compounding: At maturity; Availability: Open Online

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00% ▲ 2.03% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 2.03% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00% ▲ 2.03% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 2.03% above avgNationally 2.09%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month Certificate
$0
3.91% ▲ 1.94% above Kansas avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 1.94% above avgNationally 2.09%
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% APYOct 8, 2026: 3.91% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 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
$500
3.85% ▲ 1.88% above Kansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.88% above avgNationally 2.09%
Details

Limited time special offer; Balance under $100k; Jumbo ($100,000+) balances require a branch; Not available for individual retirement or business accounts; Open Online

Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
3.30%3.82%4.35%Sep 24, 2026: 3.80% APYOct 14, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20263.85%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)
$100
3.84% ▲ 1.87% above Kansas avg
View
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 1.87% above avgNationally 2.09%
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 14, 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% ▲ 1.83% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 1.83% above avgNationally 2.09%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)
$100
3.74% ▲ 1.77% above Kansas avg
View
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 1.77% above avgNationally 2.09%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.74% ▲ 0.05 pts · high 3.74% / low 3.69%
3.19%3.72%4.24%Sep 14, 2026: 3.69% APYSep 24, 2026: 3.74% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.74%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
CommunityAmerica Credit Union
3 Month Business Share Certificate
$500
3.60% ▲ 1.63% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.63% above avgNationally 2.09%
Details

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 14, 2026
CommunityAmerica Credit Union
3 Month Share Certificate
$500
3.60% ▲ 1.63% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.63% above avgNationally 2.09%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
3.49% ▲ 1.52% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 1.52% above avgNationally 2.09%
Details

Rate History
1 change since Sep 7, 2026 · 3.45% → 3.49% ▲ 0.04 pts · high 3.49% / low 3.45%
2.95%3.47%3.99%Sep 7, 2026: 3.45% APYOct 3, 2026: 3.49% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.49%▲ from 3.45%
  • Sep 7, 20263.45%first recorded
Kendall Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.53%
3 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.49% ▲ 1.52% above Kansas avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 1.52% above avgNationally 2.09%
Details

Interest is compounded and credited at maturity.

Rate History
No change since Sep 29, 2026 · 3.49% APY · checked 5 times
2.99%3.49%3.99%Sep 29, 2026: 3.49% APYSep 29, 2026Oct 14, 2026
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40% ▲ 1.43% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.43% above avgNationally 2.09%
Details

Penalty for early withdrawal applies; Open Online or Open In Person

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
3 Month Share Certificates
$0
3.29% ▲ 1.32% above Kansas avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▲ 1.32% above avgNationally 2.09%
Details

Dividend Paid: At Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month CD
$1,000
3.25% ▲ 1.28% above Kansas avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.28% above avgNationally 2.09%
Details

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

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 3 Month
$500
3.25% ▲ 1.28% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.28% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Month Regular Certificate
$0
3.15% ▲ 1.18% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▲ 1.18% above avgNationally 2.09%
Details

Rates effective July 1, 2026

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 14, 2026
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
90 Day Share Certificate of Deposit
$0
3.00% ▲ 1.03% above Kansas avg
View
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 1.03% above avgNationally 2.09%
Details

A penalty may be imposed for early withdrawal; minimum balance of $500 required for share certificates

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
90 Day Share Certificate
$0
3.00% ▲ 1.03% above Kansas avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 1.03% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 14, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90% ▲ 0.93% above Kansas avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▲ 0.93% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$500
2.75% ▲ 0.78% above Kansas avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 0.78% above avgNationally 2.09%
Details

Interest Compounding Frequency:; Interest Availability: Maturity

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Certificate - 3 Month Special
$0
2.63% ▲ 0.66% above Kansas avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 0.66% above avgNationally 2.09%
Details

Balance: Over $50,000

Rate History
No change since Sep 30, 2026 · 2.63% APY · checked 5 times
2.13%2.63%3.13%Sep 30, 2026: 2.63% APYSep 30, 2026Oct 14, 2026
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3 Month CD
$1,000
2.60% ▲ 0.63% above Kansas avg
View
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 0.63% above avgNationally 2.09%
Details

CD Only

Rate History
1 change since Sep 18, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 18, 2026: 2.50% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.60%▲ from 2.50%
  • Sep 18, 20262.50%first recorded
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$1,000
2.50% ▲ 0.53% above Kansas avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.53% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3 Month IRA Certificate
$0
2.50% ▲ 0.53% above Kansas avg
View
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▲ 0.53% above avgNationally 2.09%
Details

Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 14, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CDs
$0
2.43% ▲ 0.46% above Kansas avg
View
▼
Rate2.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.46% above avgNationally 2.09%
Details

$100,000; Compounding Frequency: Quarterly

Rate History
No change since Oct 7, 2026 · 2.43% APY · checked 2 times
1.93%2.43%2.93%Oct 7, 2026: 2.43% APYOct 7, 2026Oct 14, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD's equal to to $99,999
$0
2.38% ▲ 0.41% above Kansas avg
View
▼
Rate2.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.41% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 2.38% APY · checked 7 times
1.88%2.38%2.88%Sep 19, 2026: 2.38% APYSep 19, 2026Oct 14, 2026
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
Regular Certificates of Deposit - 3 Months
$500
2.37% ▲ 0.40% above Kansas avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.40% above avgNationally 2.09%
Details

Compounded: At Maturity

Rate History
No change since Oct 7, 2026 · 2.37% APY · checked 2 times
1.87%2.37%2.87%Oct 7, 2026: 2.37% APYOct 7, 2026Oct 14, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$25,000
2.33% ▲ 0.36% above Kansas avg
View
▼
Rate2.31%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.36% above avgNationally 2.09%
Details

CD's equal to $25,000 to $49,999; Compounding Frequency: Quarterly

Rate History
No change since Oct 7, 2026 · 2.33% APY · checked 2 times
1.83%2.33%2.83%Oct 7, 2026: 2.33% APYOct 7, 2026Oct 14, 2026
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$1,000
2.28% ▲ 0.31% above Kansas avg
View
▼
Rate2.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.31% above avgNationally 2.09%
Details

CD's equal to $1000 to $24,999**; Compounding: Quarterly

Rate History
No change since Oct 7, 2026 · 2.28% APY · checked 2 times
1.78%2.28%2.78%Oct 7, 2026: 2.28% APYOct 7, 2026Oct 14, 2026
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
Certificate of Deposit - 3 months
$5,000
2.02% ▲ 0.05% above Kansas avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▲ 0.05% above avgNationally 2.09%
Details

Effective Sept. 1, 2026

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 6 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Certificate of Deposit
$0
2.00% ▲ 0.03% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 0.03% above avgNationally 2.09%
Details

Balance: $1,000.00 - $99,999.99

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00% ▲ 0.03% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▲ 0.03% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Share Certificates - 3 Month - (C)
$500
2.00% ▲ 0.03% above Kansas avg
View
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▲ 0.03% above avgNationally 2.09%
Details

Effective 03/03/2026; Annual % Rate column shown as APR - 1.99%; 90 days' dividends early withdrawal penalty for certificates 12 months or shorter

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Certificate - 3 Month Special
$0
1.81% ▼ 0.16% below Kansas avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 0.16% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999

Rate History
No change since Sep 30, 2026 · 1.81% APY · checked 5 times
1.31%1.81%2.31%Sep 30, 2026: 1.81% APYSep 30, 2026Oct 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificates - 90 Day CD
$0
1.81% ▼ 0.16% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▼ 0.16% below avgNationally 2.09%
Details

Balance: > $75,000

Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 7 times
1.31%1.81%2.31%Sep 14, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Month Certificate of Deposit
$1,000
1.56% ▼ 0.41% below Kansas avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▼ 0.41% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 6 times
1.06%1.56%2.06%Sep 14, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.42% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 0.42% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
3 Month Standard CD
$1,000
1.51% ▼ 0.46% below Kansas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 0.46% below avgNationally 2.09%
Details

Compounding: Quarterly; Effective as of 10/14/2026

Rate History
No change since Oct 14, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 14, 2026: 1.51% APYOct 14, 2026Oct 14, 2026
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★Texas Ratio: 0.04%
3 month CD
$1,000
1.51% ▼ 0.46% below Kansas avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average1.97%▼ 0.46% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificates - 90 Day CD
$0
1.51% ▼ 0.46% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▼ 0.46% below avgNationally 2.09%
Details

Balance: $25,000 - $75,000

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.47% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 0.47% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
3-Month CD
$0
1.50% ▼ 0.47% below Kansas avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▼ 0.47% below avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 11, 2026: 1.50% APYSep 11, 2026Oct 14, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Certificate - 3 Month Special
$0
1.36% ▼ 0.61% below Kansas avg
View
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 0.61% below avgNationally 2.09%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 30, 2026 · 1.36% APY · checked 5 times
0.86%1.36%1.86%Sep 30, 2026: 1.36% APYSep 30, 2026Oct 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificates - 90 Day CD
$0
1.31% ▼ 0.66% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▼ 0.66% below avgNationally 2.09%
Details

Balance: $250 - $25,000

Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 7 times
0.81%1.31%1.81%Sep 14, 2026: 1.31% APYSep 14, 2026Oct 14, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
3 Month Certificate
$500
1.00% ▼ 0.97% below Kansas avg
View
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average1.97%▼ 0.97% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
IRA & Share Certificate (CD) - 3 Months
$0
1.00% ▼ 0.97% below Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average1.97%▼ 0.97% below avgNationally 2.09%
Details

Dividend paid at maturity; 30-day penalty

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
90 Day Certificate
$1,500
0.90% ▼ 1.07% below Kansas avg
View
▼
Rate0.90%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average1.97%▼ 1.07% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 19, 2026: 0.90% APYSep 19, 2026Oct 14, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
Certificate - 32 thru 90 Days
$0
0.80% ▼ 1.17% below Kansas avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 1.17% below avgNationally 2.09%
Details

Balance: $10,000 - $49,999

Rate History
No change since Oct 14, 2026 · 0.80% APY
0.30%0.80%1.30%Oct 14, 2026: 0.80% APYOct 14, 2026Oct 14, 2026
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate - 32 thru 90 Days
$0
0.80% ▼ 1.17% below Kansas avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average1.97%▼ 1.17% below avgNationally 2.09%
Details

IRA Rates

Rate History
No change since Oct 14, 2026 · 0.80% APY
0.30%0.80%1.30%Oct 14, 2026: 0.80% APYOct 14, 2026Oct 14, 2026

Emporia 6 Month CD Rates

Kansas 6 Month CD Average2.73% APYNational 2.77%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
6 Month Certificate
$0
3.47% ▲ 0.74% above Kansas avg
View
▼
Rate3.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 0.74% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.47% APY · checked 2 times
2.97%3.47%3.97%Sep 14, 2026: 3.47% APYSep 14, 2026Oct 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
6 Months Certificate
$500
3.00% ▲ 0.27% above Kansas avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.27% above avgNationally 2.77%
Details

Rate History
No change since Sep 16, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 16, 2026: 3.00% APYSep 16, 2026Oct 14, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Kid's Certificates 6 Month
$100
5.00% ▲ 2.27% above Kansas avg
View
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 2.27% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Oct 14, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month Share Certificate
$0
4.25% ▲ 1.52% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.73%▲ 1.52% above avgNationally 2.77%
Details

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 14, 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% ▲ 1.47% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.47% above avgNationally 2.77%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

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 14, 2026
  • Oct 14, 20264.20%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
6 Month Certificate
$500
4.10% ▲ 1.37% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.73%▲ 1.37% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business Certificate of Deposit - SPECIAL 180 Day
$1,500
4.06% ▲ 1.33% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 1.33% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 7, 2026: 4.06% APYOct 7, 2026Oct 14, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$1,000
4.05% ▲ 1.32% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.32% above avgNationally 2.77%
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 14, 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% ▲ 1.27% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.27% above avgNationally 2.77%
Details

Promotional yield; APY calculated on 3.93% base rate; new certificates only; membership eligibility required; no additional deposits

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 14, 2026
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 6 Month
$500
4.00% ▲ 1.27% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.27% above avgNationally 2.77%
Details

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 14, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month Certificate
$0
3.99% ▲ 1.26% above Kansas avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 1.26% above avgNationally 2.77%
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% APYOct 8, 2026: 3.99% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.99%▲ from 3.94%
  • Sep 14, 20263.94%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)
$100
3.94% ▲ 1.21% above Kansas avg
View
▼
Rate3.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 1.21% above avgNationally 2.77%
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 14, 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%
Personal CD - 6 month
$1,000
3.85% ▲ 1.12% above Kansas avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.12% above avgNationally 2.77%
Details

Min Balance to Obtain APY: $0.01; Min Opening Deposit: $1,000.00; Open Online

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 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)
$100
3.84% ▲ 1.11% above Kansas avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 1.11% above avgNationally 2.77%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.84% ▲ 0.09 pts · high 3.84% / low 3.75%
3.25%3.80%4.34%Sep 14, 2026: 3.75% APYSep 24, 2026: 3.84% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20263.84%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
6 Month Share Certificates
$500
3.80% ▲ 1.07% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 1.07% above avgNationally 2.77%
Details

Dividends paid quarterly; Early withdrawal penalties will apply

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 14, 2026
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
3.80% ▲ 1.07% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.07% above avgNationally 2.77%
Details

Balance: $10,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month CD
$1,000
3.80% ▲ 1.07% above Kansas avg
View
▼
Rate3.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 1.07% above avgNationally 2.77%
Details

Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 7, 2026: 3.80% APYSep 7, 2026Oct 14, 2026
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Share : 6 Months
$25
3.80% ▲ 1.07% above Kansas avg
View
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 1.07% above avgNationally 2.77%
Details

Term Share Accounts; $25 minimum deposit to open share account; dividend earned on balances over $100

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificate
$0
3.79% ▲ 1.06% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 1.06% above avgNationally 2.77%
Details

Rate History
1 change since Sep 7, 2026 · 3.28% → 3.79% ▲ 0.51 pts · high 3.79% / low 3.28%
2.77%3.54%4.30%Sep 7, 2026: 3.28% APYSep 19, 2026: 3.79% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20263.79%▲ from 3.28%
  • Sep 7, 20263.28%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate 6 Month (BBB)
$0
3.75% ▲ 1.02% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.02% above avgNationally 2.77%
Details

Balance: $100,000 and over

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75% ▲ 1.02% above Kansas avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 1.02% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.70% ▲ 0.97% above Kansas avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.97% above avgNationally 2.77%
Details

Rate History
1 change since Sep 7, 2026 · 3.53% → 3.70% ▲ 0.17 pts · high 3.70% / low 3.53%
3.03%3.62%4.20%Sep 7, 2026: 3.53% APYOct 3, 2026: 3.70% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.70%▲ from 3.53%
  • Sep 7, 20263.53%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 6 months
$0
3.70% ▲ 0.97% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.97% above avgNationally 2.77%
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 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificate
$0
3.68% ▲ 0.95% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.95% above avgNationally 2.77%
Details

Rate History
1 change since Sep 7, 2026 · 3.17% → 3.68% ▲ 0.51 pts · high 3.68% / low 3.17%
2.66%3.43%4.19%Sep 7, 2026: 3.17% APYSep 19, 2026: 3.68% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20263.68%▲ from 3.17%
  • Sep 7, 20263.17%first recorded
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
6-month CD
$50,000
3.65% ▲ 0.92% above Kansas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Balance: $50,000 - $250,000 New Money; Open now or in branch; Take advantage of our highest CD rate

Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 24, 2026: 3.65% APYSep 24, 2026Oct 14, 2026
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
6 Month CD
$1,000
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Certificate
$1,000
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Certificate of Deposit
$1,000
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6 Month Certificate of Deposit
$0
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 18, 2026: 3.55% APYOct 14, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 6 Month (Jumbo)
$0
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Jumbo; Balance: $50,000 and over

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 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 6 Month
$0
3.65% ▲ 0.92% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.92% above avgNationally 2.77%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
6 Month Share Certificates
$0
3.63% ▲ 0.90% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 0.90% above avgNationally 2.77%
Details

Dividend Paid: Monthly, Quarterly or At Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.63% APY · checked 6 times
3.13%3.63%4.13%Sep 14, 2026: 3.63% APYSep 14, 2026Oct 14, 2026
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
6-Month CD Special
$0
3.60% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.87% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
CommunityAmerica Credit Union
6 Month Business Share Certificate
$500
3.60% ▲ 0.87% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.87% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.60% ▲ 0.15 pts · high 3.60% / low 3.45%
2.95%3.53%4.10%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
6 Month Share Certificate
$500
3.60% ▲ 0.87% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.87% above avgNationally 2.77%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 6 months
$0
3.60% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.87% above avgNationally 2.77%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
180 DAY CD SPECIAL
$1,500
3.55% ▲ 0.82% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Business 180 DAY CD SPECIAL
$1,500
3.55% ▲ 0.82% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 6 Month
$0
3.55% ▲ 0.82% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.82% above avgNationally 2.77%
Details

Balance: $1,000 - $49,999.99

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 14, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month Certificate
$2,500
3.53% ▲ 0.80% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.80% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.53% APY · checked 3 times
3.03%3.53%4.03%Sep 19, 2026: 3.53% APYSep 19, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.78% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.78% above avgNationally 2.77%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
6-Month CD
$0
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 14, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
6 Month IRA/Share Certificate
$1,000
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
6 Month IRA Certificate
$0
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
6 Month Share and IRA Certificates
$0
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
6 Month Classic CD
$500
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate 6 Month (BB)
$0
3.50% ▲ 0.77% above Kansas avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.73%▲ 0.77% above avgNationally 2.77%
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 14, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 14, 2026
Kendall Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.53%
6 MONTH CERTIFICATE OF DEPOSIT
$1,000
3.49% ▲ 0.76% above Kansas avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.76% above avgNationally 2.77%
Details

Rate History
No change since Oct 3, 2026 · 3.49% APY · checked 3 times
2.99%3.49%3.99%Oct 3, 2026: 3.49% APYOct 3, 2026Oct 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
6 Month Certificates of Deposit (CDs)
$0
3.45% ▲ 0.72% above Kansas avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.73%▲ 0.72% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.45% ▲ 0.19 pts · high 3.45% / low 3.26%
2.76%3.36%3.95%Sep 14, 2026: 3.26% APYSep 20, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.45%▲ from 3.26%
  • Sep 14, 20263.26%first recorded

Emporia 12 Month CD Rates

Kansas 12 Month CD Average3.01% APYNational 2.99%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
Jumbo 12 Months Certificate
$100,000
3.75% ▲ 0.74% above Kansas avg
View
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.74% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Sep 16, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APYSep 16, 2026Oct 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
12 Months Certificate
$1,000
3.50% ▲ 0.49% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.49% above avgNationally 2.99%
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
12 Month Certificate
$0
3.48% ▲ 0.47% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 0.47% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.48% APY · checked 2 times
2.98%3.48%3.98%Sep 14, 2026: 3.48% APYSep 14, 2026Oct 14, 2026
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
602 Commercial St, Emporia, KS 66801
12 Month Blue Bucks Kids' Certificate of Deposit
$100
2.25% ▼ 0.76% below Kansas avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▼ 0.76% below avgNationally 2.99%
Details

Teach your child the benefits of long-term savings. With a low minimum deposit of $100 and the flexibility to add a minimum of $25 per deposit anytime, this account is perfect for setting up your young saver for future success. May be subject to early withdrawal penalty. New customers will need to provide copies of the Birth Certificate and Social Security card for the minor on the account, as well as proof of address (utility bill, the guardian's valid DL or KS/MO state ID, etc.) when opening a Blue Bucks Savings Account. Not available to open online. A penalty may be imposed for early withdrawal. Certain restrictions apply. Rates subject to change.

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
SAVE TO WIN 12 Months Certificate
$25
2.00% ▼ 1.01% below Kansas avg
View
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▼ 1.01% below avgNationally 2.99%
Details

Save to Win; see disclosure

Rate History
No change since Sep 16, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 16, 2026: 2.00% APYSep 16, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.34% above Kansas avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.34% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
12 Month CD Special
$1,000
4.27% ▲ 1.26% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.26% above avgNationally 2.99%
Details

Online Only; Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds; Not available for IRAs

Rate History
No change since Oct 12, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Oct 14, 2026
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
CD Special: Online Only - 12 Month Certificate of Deposit
$1,000
4.27% ▲ 1.26% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.26% above avgNationally 2.99%
Details

Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds eligible; Not available for IRAs; Online Only

Rate History
No change since Oct 12, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Oct 14, 2026
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25% ▲ 1.24% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.24% 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 14, 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% ▲ 1.24% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.24% above avgNationally 2.99%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

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 14, 2026
  • Oct 14, 20264.25%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
12 Month Share Certificate
$500
4.25% ▲ 1.24% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 1.24% above avgNationally 2.99%
Details

$500 minimum to open; 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 14, 2026
  • Oct 9, 20264.25%▲ from 2.53%
  • Sep 14, 20262.53%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 12 Month
$500
4.25% ▲ 1.24% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 1.24% above avgNationally 2.99%
Details

$500 minimum to open Share Certificate; 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 14, 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%
IRA Certificate - 12 month
$500
4.25% ▲ 1.24% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 1.24% above avgNationally 2.99%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

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 14, 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%
Certificate of Deposit 12-Month
$500
4.20% ▲ 1.19% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 2, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12 Month IRA Certificate
$0
4.20% ▲ 1.19% above Kansas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.01%▲ 1.19% above avgNationally 2.99%
Details

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 14, 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%
12 Month Share Certificate
$0
4.20% ▲ 1.19% above Kansas avg
View
▼
Rate4.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.01%▲ 1.19% above avgNationally 2.99%
Details

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 14, 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%
1 Year Certificate
$0
4.18% ▲ 1.17% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.17% 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% APYOct 8, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.18%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)
$100
4.17% ▲ 1.16% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.16% 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 14, 2026
  • Sep 24, 20264.17%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
4.17% ▲ 1.16% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.16% 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% APYOct 8, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.17%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificate 1 Year Variable Rate
$100
4.17% ▲ 1.16% above Kansas avg
View
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.16% above avgNationally 2.99%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Oct 8, 2026: 4.17% APYOct 8, 2026Oct 14, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA Certificate of Deposit - 12-Month Variable
$500
4.11% ▲ 1.10% above Kansas avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.10% above avgNationally 2.99%
Details

Variable rate applies to this term.

Rate History
No change since Oct 8, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 8, 2026: 4.11% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 1.09% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.09% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)
$100
4.07% ▲ 1.06% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 14, 2026: 3.87% APYSep 24, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.07%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
4.07% ▲ 1.06% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificate 1 Year Variable Rate
$100
4.07% ▲ 1.06% above Kansas avg
View
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 1.06% above avgNationally 2.99%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1 Year Share Certificates
$1,000
4.06% ▲ 1.05% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 1.05% above avgNationally 2.99%
Details

Compounded daily and credited quarterly; 90 day penalty for early withdrawal before maturity; subject to change daily

Rate History
1 change since Sep 14, 2026 · 2.78% → 4.06% ▲ 1.28 pts · high 4.06% / low 2.78%
1.50%3.42%5.34%Sep 14, 2026: 2.78% APYOct 13, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.06%▲ from 2.78%
  • Sep 14, 20262.78%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 1.04% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 1.04% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
12 Month Certificate
$0
4.04% ▲ 1.03% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 1.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 2.10% → 4.04% ▲ 1.94 pts · high 4.04% / low 2.10%
0.16%3.07%5.98%Sep 7, 2026: 2.10% APYSep 19, 2026: 4.04% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20264.04%▲ from 2.10%
  • Sep 7, 20262.10%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
12 Month Certificate
$500
4.01% ▲ 1.00% above Kansas avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average3.01%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 18, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.99% above Kansas avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 0.99% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate Special
$100,000
4.00% ▲ 0.99% above Kansas avg
View
▼
Rate3.94%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.99% above avgNationally 2.99%
Details

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 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate Special
$10,000
4.00% ▲ 0.99% above Kansas avg
View
▼
Rate3.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.99% above avgNationally 2.99%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

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 14, 2026
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate 12 Month (AAA)
$0
4.00% ▲ 0.99% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 0.99% above avgNationally 2.99%
Details

Balance: $100,000 and over

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 12 months
$0
4.00% ▲ 0.99% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 0.99% 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 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00% ▲ 0.99% above Kansas avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 0.99% above avgNationally 2.99%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
12 Month CD
$500
3.98% ▲ 0.97% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.97% 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 14, 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%
12 Month Certificate
$0
3.94% ▲ 0.93% above Kansas avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 2.00% → 3.94% ▲ 1.94 pts · high 3.94% / low 2.00%
0.06%2.97%5.88%Sep 7, 2026: 2.00% APYSep 19, 2026: 3.94% APYSep 7, 2026Oct 14, 2026
  • Sep 19, 20263.94%▲ from 2.00%
  • Sep 7, 20262.00%first recorded
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1 Year Share Certificate
$500
3.90% ▲ 0.89% above Kansas avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 0.89% above avgNationally 2.99%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

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 14, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month Jumbo Certificate
$50,000
3.90% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 0.89% above avgNationally 2.99%
Details

$50,000 to open; Rates effective July 1, 2026

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 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 12 months
$0
3.90% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average3.01%▲ 0.89% above avgNationally 2.99%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate
$1,000
3.85% ▲ 0.84% above Kansas avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.84% above avgNationally 2.99%
Details

Rate History
1 change since Sep 7, 2026 · 3.74% → 3.85% ▲ 0.11 pts · high 3.85% / low 3.74%
3.24%3.80%4.35%Sep 7, 2026: 3.74% APYOct 3, 2026: 3.85% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.85%▲ from 3.74%
  • Sep 7, 20263.74%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1 Year Certificate
$2,000
3.85% ▲ 0.84% above Kansas avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.84% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 24, 2026: 3.75% APYOct 8, 2026: 3.85% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20263.85%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Month Certificate
$0
3.85% ▲ 0.84% above Kansas avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.84% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
1 Year Certificate
$1,000
3.82% ▲ 0.81% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 19, 2026: 3.82% APYSep 19, 2026Oct 14, 2026
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
12 Month Share Certificates
$500
3.80% ▲ 0.79% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

Dividends paid quarterly; Early withdrawal penalties will apply

Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 12, 2026: 3.80% APYSep 12, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
12-Month CD
$0
3.80% ▲ 0.79% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificates of Deposit - 1 Year
$1,000
3.80% ▲ 0.79% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

Rate History
1 change since Oct 8, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Oct 8, 2026: 3.75% APYOct 12, 2026: 3.80% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20263.80%▲ from 3.75%
  • Oct 8, 20263.75%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
1 Year IRA Certificate
$0
3.80% ▲ 0.79% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Share : 1 Year
$25
3.80% ▲ 0.79% above Kansas avg
View
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

Term Share Accounts; $25 minimum deposit to open share account; dividend earned on balances over $100

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month Jumbo Certificate
$25,000
3.80% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average3.01%▲ 0.79% above avgNationally 2.99%
Details

$25,000 to open; Rates effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026

Emporia 18 Month CD Rates

Kansas 18 Month CD Average2.77% APYNational 2.88%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
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 12, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

Special; Jumbo

Rate History
No change since Sep 16, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APYSep 16, 2026Oct 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
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 12, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Special

Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APYSep 16, 2026Oct 14, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
18 Month Certificate
$0
3.56% ▲ 0.79% above Kansas avg
View
▼
Rate3.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 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 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 18-Month
$500
4.40% ▲ 1.63% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.63% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
1.80%3.75%5.70%Sep 14, 2026: 3.10% APYOct 2, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20264.40%▲ from 3.10%
  • Sep 14, 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 14, 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 14, 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
$1,000
4.35% ▲ 1.58% above Kansas avg
View
▼
Rate4.26%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.88%
Details

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 14, 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%
18 Month Certificates of Deposit (CDs)
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 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 14, 2026
  • Sep 24, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 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% APYOct 8, 2026: 4.33% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.33%▲ from 4.07%
  • Sep 14, 20264.07%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificate 18 Months
$100
4.33% ▲ 1.56% above Kansas avg
View
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 8, 2026: 4.33% APYOct 8, 2026Oct 14, 2026
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18-Month CD
$0
4.31% ▲ 1.54% above Kansas avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.54% above avgNationally 2.88%
Details

Compounding: Quarterly; Availability: Open Online

Rate History
No change since Oct 14, 2026 · 4.31% APY
3.81%4.31%4.81%Oct 14, 2026: 4.31% APYOct 14, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month Certificates of Deposit (CDs)
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.23% ▲ 0.26 pts · high 4.23% / low 3.97%
3.47%4.10%4.73%Sep 14, 2026: 3.97% APYSep 24, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.23%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 8, 2026: 4.23% APYOct 8, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificate 18 Months
$100
4.23% ▲ 1.46% above Kansas avg
View
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 8, 2026: 4.23% APYOct 8, 2026Oct 14, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
18 Month Certificate
$0
4.18% ▲ 1.41% above Kansas avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 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% APYOct 8, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 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 11, 2026
Kansas Average2.77%▲ 1.40% above avgNationally 2.88%
Details

Variable Rate

Rate History
1 change since Sep 14, 2026 · 3.79% → 4.17% ▲ 0.38 pts · high 4.17% / low 3.79%
3.29%3.98%4.67%Sep 14, 2026: 3.79% APYOct 3, 2026: 4.17% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.17%▲ from 3.79%
  • Sep 14, 20263.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.38% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.38% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
18 Month IRA Certificate
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

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 14, 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%
18 Month Share Certificate
$0
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

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 14, 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 Certificate
$1,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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 14, 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%
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 11, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Variable rate

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 14, 2026
  • Oct 3, 20264.00%▲ from 3.79%
  • Sep 7, 20263.79%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 18 months
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.85%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
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 13, 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 14, 2026
  • Oct 9, 20263.85%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
18 Month CD
$0
3.80% ▲ 1.03% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 19, 2026: 3.80% APYSep 19, 2026Oct 14, 2026
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 14, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Regular APY

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

Regular APY; Dividend Rate 3.74%

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

Rewards APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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 14, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 27, 2026: 3.65% APYOct 14, 2026: 3.80% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.65%
  • Sep 27, 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 14, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.88%
Details

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

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 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 14, 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 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 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 11, 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 14, 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 11, 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 14, 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 11, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 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 11, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 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 13, 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 14, 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%
18 Month Certificate of Deposit
$0
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 18, 2026: 3.55% APYOct 14, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%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 14, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Jumbo; Balance: $50,000 and over

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 14, 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 14, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 18 Month
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly; APY assumes principal and interest remain on deposit for one year; early withdrawal penalty may apply

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 14, 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 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Fixed Rate; Interest Compounded and Credited Quarterly; early withdrawal penalty may be assessed

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 14, 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 - Variable Rate 18 Month
$100
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Interest compounded and credited quarterly; Variable rate; Early withdrawal penalty may be assessed

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1.5 Year Share Certificate
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
18 Month Share Certificates
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Dividend Paid: Monthly, Quarterly, Semiannually or at Maturity; Effective: July 01, 2025

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 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 14, 2026
Kansas Average2.77%▲ 0.78% above avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99

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 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
18 Month Share and IRA Certificates
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - 18 Month
$2,000
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 14, 2026
CommunityAmerica Credit Union
18 Month Business Share Certificate
$500
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded

Emporia 24 Month CD Rates

Kansas 24 Month CD Average2.77% APYNational 2.88%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
24 Month Certificate
$0
3.64% ▲ 0.87% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.87% above avgNationally 2.88%
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 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
24 Months Certificate
$1,000
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)
$100
4.49% ▲ 1.72% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.72% above avgNationally 2.88%
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 14, 2026
  • Sep 24, 20264.49%▲ from 4.18%
  • Sep 14, 20264.18%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.49% ▲ 1.72% above Kansas avg
View
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.72% above avgNationally 2.88%
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% APYOct 8, 2026: 4.49% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 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% ▲ 1.63% above Kansas avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.63% above avgNationally 2.88%
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 14, 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 Certificates of Deposit (CDs)
$100
4.39% ▲ 1.62% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.62% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
3.58%4.23%4.89%Sep 14, 2026: 4.08% APYSep 24, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.39%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.39% ▲ 1.62% above Kansas avg
View
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.62% above avgNationally 2.88%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 8, 2026: 4.39% APYOct 8, 2026Oct 14, 2026
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
2 Year Certificate
$0
4.27% ▲ 1.50% above Kansas avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.50% above avgNationally 2.88%
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% APYOct 8, 2026: 4.27% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.27%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
2 Year IRA Certificate
$0
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
24 Month Share Certificate
$500
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

$500 minimum to open; 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 14, 2026
  • Oct 9, 20264.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 24 Month
$500
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

$500 minimum to open Share Certificate; 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 14, 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%
IRA Certificate - 24 month
$500
4.25% ▲ 1.48% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

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 14, 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%
Premium Certificates of Deposit (CD) - 24 months
$0
4.20% ▲ 1.43% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.43% 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 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 24 months
$0
4.11% ▲ 1.34% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.34% above avgNationally 2.88%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 14, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
24 Month CD Special
$2,500
4.10% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APYSep 29, 2026Oct 14, 2026
CommunityAmerica Credit Union
24 Month Business Share Certificate
$500
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.09% APYOct 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.10%▲ from 4.09%
  • Oct 10, 20264.09%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CommunityAmerica Credit Union
24 Month Share Certificate
$500
4.10% ▲ 1.33% above Kansas avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 10, 2026: 4.10% APYOct 10, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate
$1,000
4.05% ▲ 1.28% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.28% above avgNationally 2.88%
Details

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 14, 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%
2 Year Fixed IRA
$1,000
4.05% ▲ 1.28% above Kansas avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.28% above avgNationally 2.88%
Details

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 14, 2026
  • Oct 3, 20264.05%▲ from 0.50%
  • Sep 7, 20260.50%first recorded
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month CD
$0
4.01% ▲ 1.24% above Kansas avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 11, 2026: 4.01% APYSep 11, 2026Oct 14, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2 Year Certificate
$2,000
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
24 Month Certificate
$500
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Month IRA Certificate
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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 14, 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%
24 Month Share Certificate
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

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 14, 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%
24 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.23% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details

Balance: $500.00-$24,999.99

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 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates of Deposit (CDs)
$0
3.85% ▲ 1.08% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.85% ▲ 0.39 pts · high 3.85% / low 3.46%
2.96%3.66%4.35%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.85%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2 Year Certificate of Deposit
$500
3.79% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.02% above avgNationally 2.88%
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 14, 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% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 1.02% above avgNationally 2.88%
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 14, 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%
24 Month Certificate
$0
3.75% ▲ 0.98% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - 24 Month
$2,000
3.75% ▲ 0.98% above Kansas avg
View
▼
Rate3.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.88%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 0.93% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.89% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 14, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month CD
$1,000
3.65% ▲ 0.88% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
Certificate of Deposit - 24 Month
$500
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly; APY assumes principal and interest remain on deposit for one year; early withdrawal penalty may apply

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 14, 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% ▲ 0.83% above Kansas avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Fixed Rate; Interest Compounded and Credited Quarterly; early withdrawal penalty may be assessed

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 14, 2026
  • Oct 2, 20263.60%▲ from 3.03%
  • Sep 18, 20263.03%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
2 Year IRA/Share Certificate
$1,000
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 14, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
2 Year Premier CD
$25,000
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
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 14, 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%
24 Month Certificate of Deposit
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 18, 2026: 3.50% APYOct 14, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.60%▲ from 3.50%
  • Sep 18, 20263.50%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 24 Month (Jumbo)
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Jumbo; Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 24 Month
$0
3.60% ▲ 0.83% above Kansas avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.83% above avgNationally 2.88%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
24 Month Share Certificate
$0
3.56% ▲ 0.79% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.79% above avgNationally 2.88%
Details

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

Rate History
1 change since Oct 1, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Oct 1, 2026: 3.30% APYOct 14, 2026: 3.56% APYOct 1, 2026Oct 14, 2026
  • Oct 14, 20263.56%▲ from 3.30%
  • Oct 1, 20263.30%first recorded
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificates of Deposit - 2 Years
$1,000
3.55% ▲ 0.78% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.78% above avgNationally 2.88%
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 14, 2026
  • Oct 12, 20263.55%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 24-Month
$500
3.51% ▲ 0.74% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.74% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.51% ▲ 0.41 pts · high 3.51% / low 3.10%
2.60%3.30%4.01%Sep 14, 2026: 3.10% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month CD
$500
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Individual Retirement Account - 2 Years
$1,000
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
24 Month Share and IRA Certificates
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2 Year Share Certificate
$500
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 24 Month
$0
3.50% ▲ 0.73% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.77%▲ 0.73% above avgNationally 2.88%
Details

Balance: $1,000 - $49,999.99

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 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
24 Month Certificates of Deposit (CDs)
$0
3.49% ▲ 0.72% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.77%▲ 0.72% above avgNationally 2.88%
Details

$0 - $9,999.99

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.49% ▲ 0.03 pts · high 3.49% / low 3.46%
2.96%3.48%3.99%Sep 14, 2026: 3.46% APYSep 20, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.49%▲ from 3.46%
  • Sep 14, 20263.46%first recorded

Emporia 36 Month CD Rates

Kansas 36 Month CD Average2.78% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
36 Month Companion CD Accounts
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 20, 2026: 3.65% APYSep 20, 2026Oct 14, 2026
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
2711 W 15TH AVE, EMPORIA, KS 66801
36 Month Certificate
$0
3.64% ▲ 0.86% above Kansas avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.86% 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 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
36 Months Certificate
$1,000
2.50% ▼ 0.28% below Kansas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▼ 0.28% below avgNationally 2.81%
Details

Rate History
No change since Sep 16, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 16, 2026: 2.50% APYSep 16, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)
$100
4.73% ▲ 1.95% above Kansas avg
View
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.95% 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 14, 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%
3 Year IRA Certificate
$100
4.73% ▲ 1.95% above Kansas avg
View
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.95% 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% APYOct 8, 2026: 4.73% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.73%▲ from 4.37%
  • Sep 14, 20264.37%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)
$100
4.63% ▲ 1.85% above Kansas avg
View
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.85% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 14, 2026: 4.27% APYSep 24, 2026: 4.63% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.63%▲ from 4.27%
  • Sep 14, 20264.27%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year IRA Certificate
$100
4.63% ▲ 1.85% above Kansas avg
View
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.85% above avgNationally 2.81%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.63% APY · checked 2 times
4.13%4.63%5.13%Oct 8, 2026: 4.63% APYOct 8, 2026Oct 14, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
36 Month Certificate
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 36 Month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

$500 minimum to open Share Certificate; 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 14, 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%
IRA Certificate - 36 month
$500
4.25% ▲ 1.47% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 1.47% above avgNationally 2.81%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

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 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 36 months
$0
4.20% ▲ 1.42% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.42% 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 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15% ▲ 1.37% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36-Month CD
$0
4.15% ▲ 1.37% above Kansas avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 11, 2026: 4.15% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 36 months
$0
4.11% ▲ 1.33% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.33% above avgNationally 2.81%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.32% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Year Certificate
$2,000
4.10% ▲ 1.32% above Kansas avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 24, 2026: 4.00% APYOct 8, 2026: 4.10% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20264.10%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Year Certificate
$0
4.06% ▲ 1.28% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.28% 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% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 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% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.26% 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 14, 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% ▲ 1.26% above Kansas avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.26% 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 14, 2026
  • Sep 27, 20264.04%▲ from 2.62%
  • Sep 7, 20262.62%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year Special - 3 Year (U)
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Certificates of Deposit (CD)
$0
4.00% ▲ 1.22% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.22% above avgNationally 2.81%
Details

Balance: $500.00-$24,999.99

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 14, 2026
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
36 Month CD Special
$2,500
3.90% ▲ 1.12% above Kansas avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal; Offer may expire without notice

Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 29, 2026: 3.90% APYSep 29, 2026Oct 14, 2026
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
3 Year IRA Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Month IRA Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

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 14, 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%
36 Month Share Certificate
$0
3.90% ▲ 1.12% above Kansas avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.78%▲ 1.12% above avgNationally 2.81%
Details

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 14, 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% ▲ 1.07% above Kansas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.85%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
36 Month Share Certificate
$500
3.85% ▲ 1.07% above Kansas avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 1.07% above avgNationally 2.81%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate
$1,000
3.80% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.02% above avgNationally 2.81%
Details

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 14, 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%
3 Year Fixed IRA
$1,000
3.80% ▲ 1.02% above Kansas avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 1.02% above avgNationally 2.81%
Details

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 14, 2026
  • Oct 3, 20263.80%▲ from 0.45%
  • Sep 7, 20260.45%first recorded
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 Month Share Certificate
$0
3.76% ▲ 0.98% above Kansas avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.98% above avgNationally 2.81%
Details

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

Rate History
1 change since Oct 1, 2026 · 3.51% → 3.76% ▲ 0.25 pts · high 3.76% / low 3.51%
3.01%3.64%4.26%Oct 1, 2026: 3.51% APYOct 14, 2026: 3.76% APYOct 1, 2026Oct 14, 2026
  • Oct 14, 20263.76%▲ from 3.51%
  • Oct 1, 20263.51%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
36 Month Certificate
$0
3.75% ▲ 0.97% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - 36 Month
$2,000
3.70% ▲ 0.92% above Kansas avg
View
▼
Rate3.70%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.92% above avgNationally 2.81%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 14, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month CD
$1,000
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month CD
$500
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
36 Month Certificate of Deposit
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 18, 2026: 3.55% APYOct 14, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.65%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 36 Month (Jumbo)
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Jumbo; Balance: $50,000 and over

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 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 36 Month
$0
3.65% ▲ 0.87% above Kansas avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.87% above avgNationally 2.81%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA Certificate of Deposit - 36-Month Fixed Rate
$500
3.56% ▲ 0.78% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 8, 2026: 3.56% APYOct 8, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 Year IRA Certificate
$50
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificates of Deposit - 3 Years
$1,000
3.55% ▲ 0.77% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.77% 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 14, 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% ▲ 0.77% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.77% above avgNationally 2.81%
Details

Balance: $1,000 - $49,999.99

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 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 36-Month
$500
3.51% ▲ 0.73% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.73% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
36 Month Share Certificate
$0
3.51% ▲ 0.73% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.73% above avgNationally 2.81%
Details

Avg Daily Balance Required to Earn Dividends: $500

Rate History
No change since Oct 1, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 1, 2026: 3.51% APYOct 1, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Individual Retirement Account - 3 Years
$1,000
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.81%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
36 Month Share and IRA Certificates
$0
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
3 Year Share Certificate
$500
3.50% ▲ 0.72% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.78%▲ 0.72% above avgNationally 2.81%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
36 Month Certificates of Deposit (CDs)
$0
3.49% ▲ 0.71% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.49% ▲ 0.23 pts · high 3.49% / low 3.26%
2.76%3.38%3.99%Sep 14, 2026: 3.26% APYSep 20, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.49%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Jump Rate
$500
3.45% ▲ 0.67% above Kansas avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.67% above avgNationally 2.81%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 6 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
36 Month Share Certificates
$500
3.44% ▲ 0.66% above Kansas avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.78%▲ 0.66% above avgNationally 2.81%
Details

Dividends paid quarterly; Early withdrawal penalties will apply

Rate History
No change since Sep 12, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 12, 2026: 3.44% APYSep 12, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
36 Month Certificate of Deposit
$0
3.40% ▲ 0.62% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.78%▲ 0.62% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.65%

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026

Emporia 48 Month CD Rates

Kansas 48 Month CD Average2.71% APYNational 2.80%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
48 Months Certificate
$1,000
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)
$100
4.74% ▲ 2.03% above Kansas avg
View
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 2.03% above avgNationally 2.80%
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 14, 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%
4 Year IRA Certificate
$100
4.74% ▲ 2.03% above Kansas avg
View
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 2.03% above avgNationally 2.80%
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% APYOct 8, 2026: 4.74% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.74%▲ from 4.42%
  • Sep 14, 20264.42%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)
$100
4.64% ▲ 1.93% above Kansas avg
View
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.93% above avgNationally 2.80%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.64% ▲ 0.32 pts · high 4.64% / low 4.32%
3.82%4.48%5.14%Sep 14, 2026: 4.32% APYSep 24, 2026: 4.64% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.64%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year IRA Certificate
$100
4.64% ▲ 1.93% above Kansas avg
View
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.93% above avgNationally 2.80%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.64% APY · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APYOct 8, 2026Oct 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Business Certificate
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
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 14, 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% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

Balance: $250,000 and up

Rate History
1 change since Oct 6, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
4.00%4.53%5.05%Oct 6, 2026: 4.50% APYOct 14, 2026: 4.55% APYOct 6, 2026Oct 14, 2026
  • Oct 14, 20264.55%▲ from 4.50%
  • Oct 6, 20264.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Business Certificates
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

Balance: $250,000 and up; Table heading unconfirmed (TABLE_LABEL: IRA/HSA Certificate Rates - $250,000 and up)

Rate History
No change since Oct 14, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Certificate
$0
4.55% ▲ 1.84% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.84% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 14, 2026 · 4.55% APY
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Business Certificates
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

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 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

Balance: $500 - $249,999; Membership Required

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Business Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

IRA/HSA Certificate Rates - $500 to $249,999

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
48 Month HSA Certificate
$0
4.50% ▲ 1.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.79% above avgNationally 2.80%
Details

IRA/HSA Certificate Rates - $500 to $249,999

Rate History
No change since Oct 14, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 14, 2026: 4.50% APYOct 14, 2026Oct 14, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
48 Month Certificate
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
48 Month Share Certificate
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

$500 minimum to open; 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 14, 2026
  • Oct 9, 20264.25%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 48 Month
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

$500 minimum to open Share Certificate; 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 14, 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%
IRA Certificate - 48 month
$500
4.25% ▲ 1.54% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.80%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

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 14, 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%
4 Year Certificate
$0
4.06% ▲ 1.35% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.80%
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% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
4 Year IRA Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Month IRA Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

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 14, 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%
48 Month Share Certificate
$0
4.00% ▲ 1.29% above Kansas avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.80%
Details

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 14, 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% ▲ 1.24% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.24% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
48 Month Share Certificate
$500
3.95% ▲ 1.24% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.24% above avgNationally 2.80%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 48 months
$0
3.90% ▲ 1.19% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.19% above avgNationally 2.80%
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 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$0
3.82% ▲ 1.11% above Kansas avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 1.11% above avgNationally 2.80%
Details

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

Rate History
1 change since Oct 1, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Oct 1, 2026: 3.56% APYOct 14, 2026: 3.82% APYOct 1, 2026Oct 14, 2026
  • Oct 14, 20263.82%▲ from 3.56%
  • Oct 1, 20263.56%first recorded
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
48 Month Certificate
$0
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month CD
$500
3.75% ▲ 1.04% above Kansas avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.80%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 48 months
$0
3.70% ▲ 0.99% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.80%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 3.90%

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.65% ▲ 0.94% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 3.90%

Rate History
1 change since Oct 2, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Oct 2, 2026: 3.75% APYOct 7, 2026: 3.65% APYOct 2, 2026Oct 14, 2026
  • Oct 7, 20263.65%▼ from 3.75%
  • Oct 2, 20263.75%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month CD
$1,000
3.65% ▲ 0.94% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.80%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month CD
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Certificates of Deposit (CD)
$0
3.60% ▲ 0.89% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.89% above avgNationally 2.80%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$0
3.56% ▲ 0.85% above Kansas avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.85% above avgNationally 2.80%
Details

Avg Daily Balance Required to Earn Dividends: $500

Rate History
No change since Oct 1, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 1, 2026: 3.56% APYOct 1, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Jump Rate
$500
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificates of Deposit - 4 Years
$1,000
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
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 14, 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%
48 Month Certificate of Deposit
$0
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45%
2.95%3.50%4.05%Sep 18, 2026: 3.45% APYOct 14, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.55%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 48 Month (Jumbo)
$0
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Jumbo; Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 48 Month
$0
3.55% ▲ 0.84% above Kansas avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.84% above avgNationally 2.80%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Certificate
$1,000
3.54% ▲ 0.83% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.83% above avgNationally 2.80%
Details

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 14, 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%
4 Year Fixed IRA
$1,000
3.54% ▲ 0.83% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.71%▲ 0.83% above avgNationally 2.80%
Details

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 14, 2026
  • Oct 3, 20263.54%▲ from 0.60%
  • Sep 7, 20260.60%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 48-Month
$500
3.51% ▲ 0.80% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.80% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Certificate of Deposit
$0
3.50% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 3.75%

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month IRA Certificate
$0
3.50% ▲ 0.79% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 3.75%

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Individual Retirement Account - 4 Years
$1,000
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
48 Month Share and IRA Certificates
$0
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
4 Year Share Certificate
$500
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
B&V Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Share Certificate - 48 Month
$2,000
3.50% ▲ 0.79% above Kansas avg
View
▼
Rate3.50%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.71%▲ 0.79% above avgNationally 2.80%
Details

Share Certificates; rates are subject to change; *APY= Annual Percentage Yield

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
48 Month Certificates of Deposit (CDs)
$0
3.49% ▲ 0.78% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.71%▲ 0.78% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.49% ▲ 0.23 pts · high 3.49% / low 3.26%
2.76%3.38%3.99%Sep 14, 2026: 3.26% APYSep 20, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.49%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 48 Month
$0
3.45% ▲ 0.74% above Kansas avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.71%▲ 0.74% above avgNationally 2.80%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026

Emporia 60 Month CD Rates

Kansas 60 Month CD Average2.88% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
801 Merchant St, Emporia, KS 66801
60 Month Companion CD Accounts
$0
3.70% ▲ 0.82% above Kansas avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.82% above avgNationally 2.91%
Details

Interest Compounded: Quarterly

Rate History
No change since Sep 20, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 20, 2026: 3.70% APYSep 20, 2026Oct 14, 2026
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
310 W 12th Ave, Emporia, KS 66801
60 Months Certificate
$1,000
2.50% ▼ 0.38% below Kansas avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▼ 0.38% below avgNationally 2.91%
Details

Rate History
No change since Sep 16, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 16, 2026: 2.50% APYSep 16, 2026Oct 14, 2026
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year Certificates of Deposit (CDs)
$1,000
4.79% ▲ 1.91% above Kansas avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.91% above avgNationally 2.91%
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 14, 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%
5 Year IRA Certificate
$1,000
4.79% ▲ 1.91% above Kansas avg
View
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.91% above avgNationally 2.91%
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% APYOct 8, 2026: 4.79% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.79%▲ from 4.48%
  • Sep 14, 20264.48%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year Certificates of Deposit (CDs)
$1,000
4.69% ▲ 1.81% above Kansas avg
View
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.81% above avgNationally 2.91%
Details

Balance: $0 - $99,999.99

Rate History
1 change since Sep 14, 2026 · 4.38% → 4.69% ▲ 0.31 pts · high 4.69% / low 4.38%
3.88%4.54%5.19%Sep 14, 2026: 4.38% APYSep 24, 2026: 4.69% APYSep 14, 2026Oct 14, 2026
  • Sep 24, 20264.69%▲ from 4.38%
  • Sep 14, 20264.38%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year IRA Certificate
$1,000
4.69% ▲ 1.81% above Kansas avg
View
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.81% above avgNationally 2.91%
Details

Balance: $0 - $99,999.99

Rate History
No change since Oct 8, 2026 · 4.69% APY · checked 2 times
4.19%4.69%5.19%Oct 8, 2026: 4.69% APYOct 8, 2026Oct 14, 2026
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
4.50% ▲ 1.62% above Kansas avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 1.62% above avgNationally 2.91%
Details

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 14, 2026
  • Sep 24, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
60 Month Share Certificate
$500
4.25% ▲ 1.37% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 1.37% above avgNationally 2.91%
Details

$500 minimum to open; 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 14, 2026
  • Oct 9, 20264.25%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 60 Month
$500
4.25% ▲ 1.37% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 1.37% above avgNationally 2.91%
Details

$500 minimum to open Share Certificate; 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 14, 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%
IRA Certificate - 60 month
$500
4.25% ▲ 1.37% above Kansas avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 1.37% above avgNationally 2.91%
Details

IRA Share Certificate; $500 minimum to open; early withdrawal penalty applies

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 14, 2026
  • Oct 9, 20264.25%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
5 Year Certificate
$0
4.06% ▲ 1.18% above Kansas avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.18% above avgNationally 2.91%
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% APYOct 8, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.06%▲ from 3.83%
  • Sep 14, 20263.83%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5 Year Certificate
$2,000
4.00% ▲ 1.12% above Kansas avg
View
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 1.12% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 8, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
CommunityAmerica Credit Union
60 Month Business Share Certificate
$500
3.95% ▲ 1.07% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 1.07% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.95% ▲ 0.45 pts · high 3.95% / low 3.50%
3.00%3.73%4.45%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.95%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CommunityAmerica Credit Union
60 Month Share Certificate
$500
3.95% ▲ 1.07% above Kansas avg
View
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 1.07% above avgNationally 2.91%
Details

Minimum deposit for a Share Certificate is $500

Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.02% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 1.02% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.90% ▲ 1.02% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 1.02% above avgNationally 2.91%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) bonus APY: 4.15%

Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 7, 2026: 3.90% APYOct 7, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.90% ▲ 1.02% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 1.02% above avgNationally 2.91%
Details

Balance: $100,000.00 and over; Direct Deposit (DDEP) APY: 4.15%

Rate History
1 change since Oct 2, 2026 · 4.00% → 3.90% ▼ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Oct 2, 2026: 4.00% APYOct 7, 2026: 3.90% APYOct 2, 2026Oct 14, 2026
  • Oct 7, 20263.90%▼ from 4.00%
  • Oct 2, 20264.00%first recorded
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month Share Certificate
$0
3.87% ▲ 0.99% above Kansas avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.99% above avgNationally 2.91%
Details

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

Rate History
1 change since Oct 1, 2026 · 3.61% → 3.87% ▲ 0.26 pts · high 3.87% / low 3.61%
3.11%3.74%4.37%Oct 1, 2026: 3.61% APYOct 14, 2026: 3.87% APYOct 1, 2026Oct 14, 2026
  • Oct 14, 20263.87%▲ from 3.61%
  • Oct 1, 20263.61%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.97% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.97% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month CD
$500
3.85% ▲ 0.97% above Kansas avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.97% above avgNationally 2.91%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) bonus APY: 4.00%

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month IRA Certificate
$0
3.75% ▲ 0.87% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1,000.00 - $99,999.99; Direct Deposit (DDEP) APY: 4.00%

Rate History
No change since Oct 2, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 2, 2026: 3.75% APYOct 2, 2026Oct 14, 2026
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
60 Month Certificate
$0
3.75% ▲ 0.87% above Kansas avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Premium Certificates of Deposit (CD) - 60 months
$0
3.70% ▲ 0.82% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.82% above avgNationally 2.91%
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 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month CD
$1,000
3.65% ▲ 0.77% above Kansas avg
View
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.77% above avgNationally 2.91%
Details

Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 7, 2026: 3.65% APYSep 7, 2026Oct 14, 2026
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Jump Rate
$500
3.65% ▲ 0.77% above Kansas avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.77% above avgNationally 2.91%
Details

Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month Share Certificate
$0
3.61% ▲ 0.73% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.73% above avgNationally 2.91%
Details

Avg Daily Balance Required to Earn Dividends: $500

Rate History
No change since Oct 1, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 1, 2026: 3.61% APYOct 1, 2026Oct 14, 2026
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
60-Month CD
$0
3.60% ▲ 0.72% above Kansas avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 14, 2026
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 60 months
$0
3.60% ▲ 0.72% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Balance: $25,000.00-$74,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year IRA Certificate
$50
3.55% ▲ 0.67% above Kansas avg
View
▼
Rate3.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.67% above avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 11, 2026: 3.55% APYSep 11, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Certificates of Deposit - 5 Years
$1,000
3.55% ▲ 0.67% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.67% above avgNationally 2.91%
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 14, 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% ▲ 0.67% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.67% above avgNationally 2.91%
Details

Balance: > $75,000

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 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificates - 60 Month CD
$0
3.55% ▲ 0.67% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.67% above avgNationally 2.91%
Details

Balance: > $75,000

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 14, 2026
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Certificate of Deposit 60-Month
$500
3.51% ▲ 0.63% above Kansas avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.63% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 3.51% ▲ 0.48 pts · high 3.51% / low 3.03%
2.53%3.27%4.01%Sep 14, 2026: 3.03% APYOct 2, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.51%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Certificates of Deposit (CD)
$0
3.51% ▲ 0.63% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.63% above avgNationally 2.91%
Details

Balance: $500.00-$24,999.99

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 14, 2026
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
Individual Retirement Account - 5 Years
$1,000
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

IRA

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
60 Month Certificate
$500
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
60 Month Share and IRA Certificates
$0
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
5 Year Share Certificate
$500
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Also applies to IRA Share Certificates unless otherwise noted; rates vary by member relationship; rates include all available bonuses; certificates effective 7/10/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate of Deposit
$0
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Balance: $50,000 and over; Jumbo

Rate History
1 change since Sep 18, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 18, 2026: 3.40% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ 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 - 60 Month (Jumbo)
$0
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Jumbo; Balance: $50,000 and over

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
IRA Certificate of Deposit - 60 Month
$0
3.50% ▲ 0.62% above Kansas avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Balance: $1,000 and over

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
60 Month Certificates of Deposit (CDs)
$0
3.49% ▲ 0.61% above Kansas avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.61% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.49% ▲ 0.23 pts · high 3.49% / low 3.26%
2.76%3.38%3.99%Sep 14, 2026: 3.26% APYSep 20, 2026: 3.49% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20263.49%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
5 Year CD
$0
3.45% ▲ 0.57% above Kansas avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.57% above avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 3 times
2.95%3.45%3.95%Sep 19, 2026: 3.45% APYSep 19, 2026Oct 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
60 Month IRA CD
$0
3.44% ▲ 0.56% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.56% above avgNationally 2.91%
Details

Balance: $25,001 - $75,000

Rate History
No change since Sep 21, 2026 · 3.44% APY · checked 6 times
2.94%3.44%3.94%Sep 21, 2026: 3.44% APYSep 21, 2026Oct 14, 2026
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
Share Certificates - 60 Month CD
$0
3.44% ▲ 0.56% above Kansas avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Kansas Average2.88%▲ 0.56% above avgNationally 2.91%
Details

Balance: $25,000 - $75,000

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 7 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 14, 2026
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
5 Year Share Certificate of Deposit
$0
3.40% ▲ 0.52% above Kansas avg
View
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Kansas Average2.88%▲ 0.52% above avgNationally 2.91%
Details

A penalty may be imposed for early withdrawal; minimum balance of $500 required for share certificates

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate of Deposit - 60 Month
$0
3.40% ▲ 0.52% above Kansas avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Kansas Average2.88%▲ 0.52% above avgNationally 2.91%
Details

Balance: $1,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Certificate
$1,000
3.39% ▲ 0.51% above Kansas avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.51% above avgNationally 2.91%
Details

Rate History
1 change since Sep 7, 2026 · 0.65% → 3.39% ▲ 2.74 pts · high 3.39% / low 0.65%
0.00%3.07%6.13%Sep 7, 2026: 0.65% APYOct 3, 2026: 3.39% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.39%▲ from 0.65%
  • Sep 7, 20260.65%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Fixed IRA
$1,000
3.39% ▲ 0.51% above Kansas avg
View
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Kansas Average2.88%▲ 0.51% above avgNationally 2.91%
Details

Rate History
1 change since Sep 7, 2026 · 0.65% → 3.39% ▲ 2.74 pts · high 3.39% / low 0.65%
0.00%3.07%6.13%Sep 7, 2026: 0.65% APYOct 3, 2026: 3.39% APYSep 7, 2026Oct 14, 2026
  • Oct 3, 20263.39%▲ from 0.65%
  • Sep 7, 20260.65%first recorded
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 Emporia, Kansas Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
ESB Financial
60 Month Companion CD Accounts
A 5.0 ★ TX: 13.44%
Min: $0
3.70%
Capitol Federal Savings Bank
12 Month Blue Bucks Kids' Certificate of Deposit
A+ 5.0 ★ TX: 5.21%
Min: $100
2.25%
Grant County Bank
5 Year Certificates of Deposit (CDs)
A 5.0 ★ TX: 10.01%
Min: $1,000
4.79%
TriCentury Bank
60 Month Certificate
A+ 5.0 ★ TX: 0.00%
Min: $1,000
4.50%
Academy Bank
Certificate of Deposit 18-Month
A+ 5.0 ★ TX: 5.08%
Min: $500
4.40%
CU Top 5 Credit Union Rates
Emporia State Federal Credit Union
Jumbo 18 Months Special Certificate
A+ 5.0 ★ TX: 2.84%
Min: $100,000
4.25%
Credit Union of Emporia
24 Month Certificate
A+ 5.0 ★ TX: 1.03%
Min: $0
3.64%
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%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Emporia, KS CD Rate Trends

Compare local Emporia, 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
3.006%
Unchanged vs 7 days ago

Kansas 12-month CD rates currently average 3.006% APY based on data from institutions in our monitoring network.

6-Month CD KS Avg
2.726%
▼ 0.038 vs 7 days ago

Kansas 6-month CD rates fell 0.038 points over the past 7 days to 2.726% APY.

As of Oct 14, 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
3.006%
6-Month Forecast
3.006%
Range: 2.81%, 3.16%
12-Month Forecast
3.256%
Range: 3.06%, 3.41%

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 1.37% 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 1.968% $98.38 $196.76 $491.90 $983.80
6-Month CD 2.726% $136.30 $272.60 $681.50 $1,363.00
12-Month CD 3.006% $150.32 $300.64 $751.60 $1,503.20
18-Month CD 2.772% $138.61 $277.22 $693.05 $1,386.10
24-Month CD 2.772% $138.60 $277.19 $692.98 $1,385.95
36-Month CD 2.776% $138.79 $277.58 $693.95 $1,387.90
48-Month CD 2.706% $135.32 $270.64 $676.60 $1,353.20
60-Month CD 2.880% $143.99 $287.98 $719.95 $1,439.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Emporia, 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 1.968% $98.38
2 6-Month CD $5,000 2.726% $136.30
3 12-Month CD $5,000 3.006% $150.32
4 24-Month CD $5,000 2.772% $138.60
5 36-Month CD $5,000 2.776% $138.79
Total ($25,000 invested) $25,000 2.650% blended $662.39/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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1,252
CD Rates
Tracked in Emporia, Kansas
70 Banks 45 Credit Unions

About Our Emporia, Kansas CD Rate Database

MonitorBankRates tracks 1,252 CD rates from 70 banks and 45 credit unions with locations in Emporia, 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: Emporia State Federal Credit Union offers a CD at 4.25% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Emporia, Kansas.

How to Find the Best CD Rates in Emporia, Kansas

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

To find the best APYs in Emporia, Kansas, start with credit unions and online-only banks: Emporia, Kansas has 45 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 Emporia, 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 Emporia, Kansas: 115 institutions here report CD rates

Consider an Alternative If…

Emporia, Kansas Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
14.1%
National avg: 17.3%
Median Individual Earnings
$28,635
National avg: $47,340
Poverty Rate
17.8%
National avg: 11.1%
Unemployment Rate
2.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$86/yr
At KS 12-mo avg 3.006% APY

14.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.0% reflects a strong local economy. At today’s KS 12-month CD average of 3.006%, saving 10% of the local median salary ($2,863/year) and putting it in a CD would earn an additional $86 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 Emporia, 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 Emporia, 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 Emporia, 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 Emporia, Kansas as everywhere in the U.S.

Choosing a CD Term in Emporia, 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 Emporia, Kansas savers easier access to their funds. For example, Credit Union of Emporia is offering its 6 Month Certificate at 3.47% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ESB Financial is offering its 60 Month Companion CD Accounts at 3.70% 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 Emporia, 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 Emporia, 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 Emporia, 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 Emporia, 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 Emporia, Kansas

Most CDs carry a fixed rate that is locked for the entire term, protecting a Emporia, 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 Emporia, Kansas

Are CD rates in Emporia, Kansas FDIC insured?

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

Here are recent top rates found for this area:
  • Emporia State Federal Credit Union: 4.25% APY (Jumbo 18 Months Special Certificate)
  • ESB Financial: 3.70% APY (60 Month Companion CD Accounts)
  • Credit Union of Emporia: 3.64% APY (24 Month Certificate)
  • Capitol Federal Savings Bank: 2.25% APY (12 Month Blue Bucks Kids' Certificate of Deposit)
  • Topeka Police Credit Union: 5.00% APY (Kid's Certificates 6 Month)
  • Grant County Bank: 4.79% APY (5 Year Certificates of Deposit (CDs))
  • Heartland Credit Union Hutchinson, KS: 4.55% APY (48 Month Business Certificate)
  • TriCentury Bank: 4.50% APY (60 Month Certificate)
  • Academy Bank: 4.40% APY (Certificate of Deposit 18-Month)
  • Union Bank and Trust Company: 4.40% APY (24 Month Certificate of Deposit)
Rates reflect recent verified offers available in Emporia, Kansas. Last Updated: October 14, 2026

Emporia, 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 Emporia, 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 Emporia, Kansas CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Emporia, Kansas. Averages shown use the Kansas state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Emporia, Kansas

Emporia, Kansas CD Calculator

At today’s KS top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.

Emporia, Kansas CD Ladder

KS CD rates currently range from 1.968% (3-month) to 2.776% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Emporia, Kansas CD at 4.25% 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 3.006% 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 Emporia, 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 Emporia, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. 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 Emporia, 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 14, 2026

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