Hutchinson, Kansas Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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.
Hutchinson, Kansas CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Hutchinson, Kansas CD rates include Heartland Credit Union Hutchinson, KSHeartland Credit Union Hutchinson, KS900 E 23rd Ave, Hutchinson, KS 67502 5648A5.0 ★Texas Ratio: 9.12%Real return: +0.85%APY minus CPIRate verified Oct 19, 2026 offering 48 Month Business Certificate at 4.55% APY, Envista Federal Credit UnionEnvista Federal Credit Union1803 N Lorraine St, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 2.13%Real return: +0.55%APY minus CPIRate verified Oct 19, 2026 offering Business Certificates - 36 Month at 4.25% APY, Simmons BankSimmons Bank100 E 30th Ave, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 5.33%Real return: -0.05%APY minus CPIRate verified Oct 20, 2026 offering 6-month CD at 3.65% APY, Credit Union of AmericaCredit Union of America2616 N Main St, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 3.98%Real return: -0.20%APY minus CPIRate verified Oct 22, 2026 offering 2 Year IRA Certificates at 3.50% APY, and RCB BankRCB Bank700 E 30th Ave, Hutchinson, KS 67502A+5.0 ★Texas Ratio: 4.64%Real return: -0.45%APY minus CPIRate verified Oct 20, 2026 offering CD 60 Month at 3.25% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Hutchinson has 160 local institutions in our database, with CD rates as high as 4.55% APY from Heartland Credit Union Hutchinson, KS at 900 E 23rd Ave, Hutchinson, KS 67502 5648. 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 23, 2026
Compare Best CD Rates in Hutchinson, Kansas & the Surrounding Area
Hutchinson 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
3 Month CD
$1,000
1.51%
▼ 0.44% below Kansas avg
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▼ 0.44% below avgNationally 2.13%
Details
Compounding Frequency: Quarterly; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 1.51% APY · checked 5 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 3 Months
$500
1.40%
▼ 0.55% below Kansas avg
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.55% below avgNationally 2.13%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 1.40% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 3 Months
$500
1.40%
▼ 0.55% below Kansas avg
▼
Rate1.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▼ 0.55% below avgNationally 2.13%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 1.40% APY
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 3 Month
$500
1.00%
▼ 0.95% below Kansas avg
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 0.95% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 3 Month
$500
1.00%
▼ 0.95% below Kansas avg
▼
Rate0.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 0.95% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month Business Certificate
$0
0.20%
▼ 1.75% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.75% below avgNationally 2.13%
Details
Rate History
1 change since Sep 30, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15%
- Oct 14, 20260.20%▲ from 0.15%
- Sep 30, 20260.15%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month Certificate
$0
0.20%
▼ 1.75% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.75% below avgNationally 2.13%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month HSA Business Certificates
$0
0.20%
▼ 1.75% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.75% below avgNationally 2.13%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month HSA Certificate
$0
0.20%
▼ 1.75% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.75% below avgNationally 2.13%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 0.20% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month Business Certificate
$0
0.15%
▼ 1.80% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.80% below avgNationally 2.13%
Details
Rate History
2 changes since Sep 30, 2026 · 0.15% → 0.15% ▼ 0.00 pts · high 0.20% / low 0.15%
- Oct 19, 20260.15%▼ from 0.20%
- Oct 14, 20260.20%▲ from 0.15%
- Sep 30, 20260.15%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month Certificate
$500
0.15%
▼ 1.80% below Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.80% below avgNationally 2.13%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month HSA Certificate
$0
0.15%
▼ 1.80% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.80% below avgNationally 2.13%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 0.15% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
3 Month IRA/HSA Certificate
$0
0.15%
▼ 1.80% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.80% below avgNationally 2.13%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 3 months
$0
0.15%
▼ 1.80% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.80% below avgNationally 2.13%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15%
- Oct 6, 20260.15%▼ from 0.20%
- Sep 30, 20260.20%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 1.90% below Kansas avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.90% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
3 Month Standard CD
$1,000
0.05%
▼ 1.90% below Kansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▼ 1.90% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 3 Month
$0
4.06%
▲ 2.11% above Kansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 2.11% above avgNationally 2.13%
Details
Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 3 times
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3 Month Featured CD
$0
4.05%
▲ 2.10% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.10% above avgNationally 2.13%
Details
Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
Brilliant Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3-Month CD
$1,000
4.00%
▲ 2.05% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month and 6-Month Certificate
$1,000
4.00%
▲ 2.05% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details
Limited time promotional yield on new certificates; IRA share certificates do not qualify; no additional deposits; substantial early withdrawal penalty applies
Rate History
No change since Oct 20, 2026 · 4.00% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 3-Month Share Certificate
$0
4.00%
▲ 2.05% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 2.05% above avgNationally 2.13%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 3-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 3 Month
$0
3.91%
▲ 1.96% above Kansas avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.96% above avgNationally 2.13%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.91% ▲ 0.11 pts · high 3.91% / low 3.80%
- Sep 24, 20263.91%▲ from 3.80%
- Sep 14, 20263.80%first recorded
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3-Month Time Deposit Account Special Offer
$500
3.85%
▲ 1.90% above Kansas avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 1.90% above avgNationally 2.13%
Details
Balance: under $100k; Limited time special offer; Effective Date: 10/19/2026; Not available for individual retirement or business accounts; Apply online
Rate History
No change since Oct 20, 2026 · 3.85% APY
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Month
$100
3.84%
▲ 1.89% above Kansas avg
▼
Rate3.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.89% above avgNationally 2.13%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 3.79% → 3.84% ▲ 0.05 pts · high 3.84% / low 3.79%
- Sep 24, 20263.84%▲ from 3.79%
- Sep 14, 20263.79%first recorded
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
3 Month CD
$1,000
3.80%
▲ 1.85% above Kansas avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.85% above avgNationally 2.13%
Details
Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 11 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Month
$100
3.74%
▲ 1.79% above Kansas avg
▼
Rate3.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.79% above avgNationally 2.13%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.79% → 3.74% ▼ 0.05 pts · high 3.79% / low 3.74%
- Sep 24, 20263.74%▼ from 3.79%
- Sep 14, 20263.79%first recorded
CommunityAmerica Credit Union
3 Month Business Share Certificate
$500
3.60%
▲ 1.65% above Kansas avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.65% above avgNationally 2.13%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 3 times
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.65% above avgNationally 2.13%
Details
Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 4 times
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month IRA CD
$1,000
3.54%
▲ 1.59% above Kansas avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.59% above avgNationally 2.13%
Details
IRA Rates
Rate History
1 change since Sep 19, 2026 · 3.60% → 3.54% ▼ 0.06 pts · high 3.60% / low 3.54%
- Oct 3, 20263.54%▼ from 3.60%
- Sep 19, 20263.60%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month CD
$1,000
3.50%
▲ 1.55% above Kansas avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.55% above avgNationally 2.13%
Details
Rate History
1 change since Sep 19, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
- Oct 3, 20263.50%▼ from 3.60%
- Sep 19, 20263.60%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Month
$1,000
3.49%
▲ 1.54% above Kansas avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.54% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.49% APY · checked 3 times
Kendall Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.53%
Business 3 Month Certificate of Deposit
$1,000
3.49%
▲ 1.54% above Kansas avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.54% above avgNationally 2.13%
Details
Minimum balance to obtain APY: $1,000.00; interest compounded and credited at maturity; early withdrawal penalty may be imposed
Rate History
No change since Oct 22, 2026 · 3.49% APY
Great Southern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-Month CD
$1,000
3.40%
▲ 1.45% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 1.45% above avgNationally 2.13%
Details
Penalty for early withdrawal applies; many interest payment options available
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 8 times
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
Share Certificates - 3 Month
$2,500
3.29%
▲ 1.34% above Kansas avg
▼
Rate3.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.34% above avgNationally 2.13%
Details
Dividend Paid: At Maturity
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
3 Month CD
$1,000
3.25%
▲ 1.30% above Kansas avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 1.30% above avgNationally 2.13%
Details
Rates listed are valid for personal accounts only. Early withdrawal penalty may apply.
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 3 Month
$500
3.25%
▲ 1.30% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.30% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 3 times
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Month Regular Certificate
$0
3.15%
▲ 1.20% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.20% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Andover State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.76%
90-day CD
$0
3.00%
▲ 1.05% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 8 times
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Share Certificate of Deposit 90 Days
$0
3.00%
▲ 1.05% above Kansas avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details
Share certificate; penalty may be imposed for early withdrawal; rates effective as of December 29, 2025; $5 savings account required
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
90 Day Share Certificate
$0
3.00%
▲ 1.05% above Kansas avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 1.05% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
3 Month Classic CD
$500
2.90%
▲ 0.95% above Kansas avg
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average1.95%▲ 0.95% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$0
2.75%
▲ 0.80% above Kansas avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 0.80% above avgNationally 2.13%
Details
Interest Compounding Frequency:; Interest Availability: Maturity
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
3 Month Certificate
$0
2.63%
▲ 0.68% above Kansas avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average1.95%▲ 0.68% above avgNationally 2.13%
Details
Balance: Over $50,000
Rate History
No change since Oct 22, 2026 · 2.63% APY
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
3 Month Certificate (CD Only)
$1,000
2.60%
▲ 0.65% above Kansas avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 0.65% above avgNationally 2.13%
Details
Certificate of Deposit/IRA; Personal Rates
Rate History
No change since Oct 20, 2026 · 2.60% APY
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
Business 3 Months (CD Only)
$1,000
2.60%
▲ 0.65% above Kansas avg
▼
Rate2.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average1.95%▲ 0.65% above avgNationally 2.13%
Details
Certificate of Deposit/IRA; Business Rates
Rate History
No change since Oct 20, 2026 · 2.60% APY
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$0
2.53%
▲ 0.58% above Kansas avg
▼
Rate2.51%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.58% above avgNationally 2.13%
Details
Balance: greater than or equal to $100,000; Compounding: Quarterly
Rate History
No change since Oct 20, 2026 · 2.53% APY · checked 2 times
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month CD
$0
2.50%
▲ 0.55% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details
Featured rate; rates as of August 1, 2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 2 times
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Certificate of Deposit - 3 Month
$1,000
2.50%
▲ 0.55% above Kansas avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details
APY accurate as of 08/01/2026; early withdrawal penalty may apply
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 3 Month
$0
2.50%
▲ 0.55% above Kansas avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average1.95%▲ 0.55% above avgNationally 2.13%
Details
Dividend Period: Quarterly; Early W/D Penalty: 90 Days Interest; Rates effective as of September 30, 2025
Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
Johnson State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.70%
3 Month CD
$0
2.48%
▲ 0.53% above Kansas avg
▼
Rate2.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average1.95%▲ 0.53% above avgNationally 2.13%
Details
Balance: $50,000 to $99,999; Frequency of Compounding: Quarterly
Rate History
No change since Oct 20, 2026 · 2.48% APY · checked 2 times
Hutchinson 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 6 Month
$500
4.10%
▲ 1.39% above Kansas avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.39% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 6 Month
$500
4.10%
▲ 1.39% above Kansas avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.39% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 8 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
100 E 30th Ave, Hutchinson, KS 67502
6-month CD
$50,000
3.65%
▲ 0.94% above Kansas avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month Business Certificate
$0
2.55%
▼ 0.16% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.16% below avgNationally 2.78%
Details
Rate History
1 change since Sep 30, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50%
- Oct 14, 20262.55%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month Certificate
$0
2.55%
▼ 0.16% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.16% below avgNationally 2.78%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month HSA Business Certificates
$0
2.55%
▼ 0.16% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.16% below avgNationally 2.78%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month HSA Certificate
$0
2.55%
▼ 0.16% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.16% below avgNationally 2.78%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month Business Certificate
$0
2.50%
▼ 0.21% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.21% below avgNationally 2.78%
Details
Rate History
2 changes since Sep 30, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.55% / low 2.50%
- Oct 19, 20262.50%▼ from 2.55%
- Oct 14, 20262.55%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month Certificate
$500
2.50%
▼ 0.21% below Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.21% below avgNationally 2.78%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month HSA Certificate
$0
2.50%
▼ 0.21% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.21% below avgNationally 2.78%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
6 Month IRA/HSA Certificate
$0
2.50%
▼ 0.21% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.21% below avgNationally 2.78%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 6 months
$0
2.50%
▼ 0.21% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 0.21% below avgNationally 2.78%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 2.55% → 2.50% ▼ 0.05 pts · high 2.55% / low 2.50%
- Oct 6, 20262.50%▼ from 2.55%
- Sep 30, 20262.55%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
6 Month CD
$1,000
1.76%
▼ 0.95% below Kansas avg
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▼ 0.95% below avgNationally 2.78%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 1.76% APY · checked 5 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 6 Months
$500
1.55%
▼ 1.16% below Kansas avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▼ 1.16% below avgNationally 2.78%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 1.55% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 6 Months
$500
1.55%
▼ 1.16% below Kansas avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▼ 1.16% below avgNationally 2.78%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 1.55% APY
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
6 Month CD
$0
0.75%
▼ 1.96% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 1.96% below avgNationally 2.78%
Details
Balance: $250 And Up
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
Bell Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
1601 N Lorraine St, Hutchinson, KS 67501
6 Month Share Certificates
$0
0.60%
▼ 2.11% below Kansas avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 2.11% below avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 0.60% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
6 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.66% below Kansas avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 2.66% below avgNationally 2.78%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
6 Month Standard CD
$1,000
0.05%
▼ 2.66% below Kansas avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▼ 2.66% below avgNationally 2.78%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Kid's Certificates - 6 Month
$100
5.00%
▲ 2.29% above Kansas avg
▼
Rate4.91%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 2.29% above avgNationally 2.78%
Details
Kids Share Certificates (Under 18); $100.00 opening balance; unlimited deposits allowed; Early withdrawal: for certificates 12 months or shorter, penalty of ninety (90) days' dividends
Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 6 times
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 6 month
$500
4.25%
▲ 1.54% above Kansas avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.54% above avgNationally 2.78%
Details
$500 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 1.00% → 4.25% ▲ 3.25 pts · high 4.25% / low 1.00%
- Sep 21, 20264.25%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
6 Month CD Special
$2,500
4.20%
▲ 1.49% above Kansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.49% above avgNationally 2.78%
Details
In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal
Rate History
1 change since Sep 29, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 14, 20264.20%▲ from 4.00%
- Sep 29, 20264.00%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 6 Months
$0
4.19%
▲ 1.48% above Kansas avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.48% above avgNationally 2.78%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.19% APY · checked 3 times
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month CD
$1,000
4.15%
▲ 1.44% above Kansas avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details
Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 9 times
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month IRA CD
$1,000
4.15%
▲ 1.44% above Kansas avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details
IRA Rates
Rate History
No change since Sep 19, 2026 · 4.15% APY · checked 9 times
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Internet CD - 6 Month
$25,000
4.15%
▲ 1.44% above Kansas avg
▼
Rate4.07%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.44% above avgNationally 2.78%
Details
Internet Only; Apply Online (accounts opened nationwide); SPECIALS; Minimum deposit of $25,000
Rate History
No change since Oct 22, 2026 · 4.15% APY
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 6 Month
$0
4.06%
▲ 1.35% above Kansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.78%
Details
Rate History
No change since Sep 9, 2026 · 4.06% APY · checked 3 times
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate of Deposit - SPECIAL - 180 Day
$1,500
4.06%
▲ 1.35% above Kansas avg
▼
Rate4.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.35% above avgNationally 2.78%
Details
Special certificate rate; APY* per footnote
Rate History
1 change since Sep 11, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
- Oct 21, 20264.06%▲ from 3.55%
- Sep 11, 20263.55%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate of Deposit
$1,000
4.05%
▲ 1.34% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.34% above avgNationally 2.78%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 14, 20264.05%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Limited Time 6-Month Share Certificate
$0
4.00%
▲ 1.29% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details
Limited time promotional yield; APY calculated on a 3.93% base rate; new certificates only; membership eligibility required; IRA share certificates do not qualify; no additional deposits during term; rolls over to 6-Month Certificate at available rates
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 5 times
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6-Month CD
$500
4.00%
▲ 1.29% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details
Balance: $10,000.00 and up
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 20, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Certificate of Deposit - 6 Month
$500
4.00%
▲ 1.29% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.29% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 6 Month
$0
3.99%
▲ 1.28% above Kansas avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.28% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.94% → 3.99% ▲ 0.05 pts · high 3.99% / low 3.94%
- Sep 24, 20263.99%▲ from 3.94%
- Sep 14, 20263.94%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 6 Month
$100
3.94%
▲ 1.23% above Kansas avg
▼
Rate3.90%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.23% above avgNationally 2.78%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.94% ▲ 0.09 pts · high 3.94% / low 3.85%
- Sep 24, 20263.94%▲ from 3.85%
- Sep 14, 20263.85%first recorded
NBKC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
6 Month Personal CD
$1,000
3.85%
▲ 1.14% above Kansas avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.71%▲ 1.14% above avgNationally 2.78%
Details
Balance: $0.01 minimum to obtain APY; Open Online; Rates effective as of 10/19/2026
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 6 Month
$100
3.84%
▲ 1.13% above Kansas avg
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.71%▲ 1.13% above avgNationally 2.78%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.85% → 3.84% ▼ 0.01 pts · high 3.85% / low 3.84%
- Sep 24, 20263.84%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Sunflower Community Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.86%
Share Certificate 6 Months
$500
3.80%
▲ 1.09% above Kansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details
Early withdrawal penalties will apply; Dividends Paid Quarterly
Rate History
No change since Sep 12, 2026 · 3.80% APY · checked 8 times
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CD - 6 month
$500
3.80%
▲ 1.09% above Kansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details
Personal; Interest Compounded: Quarterly
Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month CD
$1,000
3.80%
▲ 1.09% above Kansas avg
▼
Rate3.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details
Rate History
No change since Sep 7, 2026 · 3.80% APY · checked 11 times
White Eagle Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
Term Share : 6 Months
$25
3.80%
▲ 1.09% above Kansas avg
▼
Rate3.73%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.09% above avgNationally 2.78%
Details
Dividend earned on balances over $100
Rate History
No change since Oct 13, 2026 · 3.80% APY · checked 2 times
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 6 Month
$0
3.79%
▲ 1.08% above Kansas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.78%
Details
Interest Paid: Semi-Annually
Rate History
No change since Oct 14, 2026 · 3.79% APY · checked 3 times
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6 Months Certificate
$500
3.79%
▲ 1.08% above Kansas avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.71%▲ 1.08% above avgNationally 2.78%
Details
Rate History
1 change since Sep 16, 2026 · 3.00% → 3.79% ▲ 0.79 pts · high 3.79% / low 3.00%
- Oct 23, 20263.79%▲ from 3.00%
- Sep 16, 20263.00%first recorded
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Special Share Certificate - 6 Month (BBB)
$0
3.75%
▲ 1.04% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term CD
$1,000
3.75%
▲ 1.04% above Kansas avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month
$1,000
3.75%
▲ 1.04% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 1.04% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 6 Month
$1,000
3.70%
▲ 0.99% above Kansas avg
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 3 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.99% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.71%▲ 0.99% above avgNationally 2.78%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
FSB Holton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Certificate of Deposit - 6 Month
$0
3.68%
▲ 0.97% above Kansas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.97% above avgNationally 2.78%
Details
Interest Paid: Semi-Annually
Rate History
No change since Oct 14, 2026 · 3.68% APY · checked 3 times
Golden Belt Bank, FSA
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
6 Month CD
$1,000
3.65%
▲ 0.94% above Kansas avg
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details
Rates listed are valid for personal accounts only. Early withdrawal penalty may apply.
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month CD
$0
3.65%
▲ 0.94% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.71%▲ 0.94% above avgNationally 2.78%
Details
Featured rate; rates as of August 1, 2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
Hutchinson 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 12 Month
$500
4.01%
▲ 0.96% above Kansas avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 12 Month
$500
4.01%
▲ 0.96% above Kansas avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 0.96% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.01% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
1 Year IRA Certificates
$500
3.25%
▲ 0.20% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Dividends paid monthly; $500 minimum to open; In-Branch Only
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
1-Year Add-on
$100
3.25%
▲ 0.20% above Kansas avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Add-On & Bump-Up Certificates; Nominal Rate/APY 3.20% / 3.25%; Minimum to add on $10
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 1 Year
$500
3.25%
▲ 0.20% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
IRA 1 Year Add-on Certificate
$100
3.25%
▲ 0.20% above Kansas avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Add-On/Bump-Up IRA Certificates; Dividends paid monthly; $10 minimum to add-on; IRA products can only be opened in branch; Branch Only
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 1 Year
$500
3.25%
▲ 0.20% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 12 Month
$1,000
3.03%
▼ 0.02% below Kansas avg
▼
Rate2.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▼ 0.02% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.03% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 12 Month
$250
3.03%
▼ 0.02% below Kansas avg
▼
Rate2.99%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▼ 0.02% below avgNationally 2.99%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.75% → 3.03% ▲ 0.28 pts · high 3.03% / low 2.75%
- Oct 14, 20263.03%▲ from 2.75%
- Oct 7, 20262.75%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 12 Month
$1,000
2.75%
▼ 0.30% below Kansas avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▼ 0.30% below avgNationally 2.99%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 3.03% / low 2.75%
- Oct 20, 20262.75%▼ from 3.03%
- Sep 24, 20263.03%▲ from 2.75%
- Sep 18, 20262.75%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
1 Year CD
$1,000
2.65%
▼ 0.40% below Kansas avg
▼
Rate2.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▼ 0.40% below avgNationally 2.99%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 2.65% APY · checked 5 times
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
IRA CD - 1 year
$1,000
2.65%
▼ 0.40% below Kansas avg
▼
Rate2.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▼ 0.40% below avgNationally 2.99%
Details
Compounding Frequency: Semi-Annually
Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 3 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month Business Certificate
$0
2.55%
▼ 0.50% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.50% below avgNationally 2.99%
Details
Rate History
1 change since Sep 30, 2026 · 2.50% → 2.55% ▲ 0.05 pts · high 2.55% / low 2.50%
- Oct 14, 20262.55%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month Certificate
$0
2.55%
▼ 0.50% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.50% below avgNationally 2.99%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month HSA Business Certificates
$0
2.55%
▼ 0.50% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.50% below avgNationally 2.99%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month HSA Certificate
$0
2.55%
▼ 0.50% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.50% below avgNationally 2.99%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month Business Certificate
$0
2.50%
▼ 0.55% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.55% below avgNationally 2.99%
Details
Rate History
2 changes since Sep 30, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.55% / low 2.50%
- Oct 19, 20262.50%▼ from 2.55%
- Oct 14, 20262.55%▲ from 2.50%
- Sep 30, 20262.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month Certificate
$500
2.50%
▼ 0.55% below Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.55% below avgNationally 2.99%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month HSA Certificate
$0
2.50%
▼ 0.55% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.55% below avgNationally 2.99%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
12 Month IRA/HSA Certificate
$0
2.50%
▼ 0.55% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.55% below avgNationally 2.99%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 12 months
$0
2.50%
▼ 0.55% below Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 0.55% below avgNationally 2.99%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 2.55% → 2.50% ▼ 0.05 pts · high 2.55% / low 2.50%
- Oct 6, 20262.50%▼ from 2.55%
- Sep 30, 20262.55%first recorded
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
12 Month CD
$0
1.00%
▼ 2.05% below Kansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 2.05% below avgNationally 2.99%
Details
Balance: $250 And Up
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
12 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.30% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 2.30% below avgNationally 2.99%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
12 Month Standard CD
$1,000
0.75%
▼ 2.30% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 2.30% below avgNationally 2.99%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Bell Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
1601 N Lorraine St, Hutchinson, KS 67501
12 Month Share Certificates
$0
0.70%
▼ 2.35% below Kansas avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▼ 2.35% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 0.70% APY · checked 2 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA - Jumbo
$500
4.55%
▲ 1.50% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.50% above avgNationally 2.99%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
1 Year Share Certificates
$0
4.55%
▲ 1.50% above Kansas avg
▼
Rate4.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.50% above avgNationally 2.99%
Details
Rates effective 12/15/2025
Rate History
No change since Sep 14, 2026 · 4.55% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.30% above Kansas avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.30% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 12 Months
$0
4.30%
▲ 1.25% above Kansas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.25% above avgNationally 2.99%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA
$500
4.30%
▲ 1.25% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.25% above avgNationally 2.99%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Community National Bank Seneca, KS
Institution Rating:
A4.9 ★Texas Ratio: 9.62%
12 Month CD Special
$1,000
4.27%
▲ 1.22% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 1.22% above avgNationally 2.99%
Details
Online Only; Annual Percentage Yield stated accurate as of 10/2/2026; minimum deposit of $1,000.00 required to obtain APY; maximum amount to open CD is $90,000; only available to Consumer Customers; no Institutional or Public Funds eligible; not available for IRAs; substantial penalty for early withdrawals
Rate History
No change since Oct 12, 2026 · 4.27% APY · checked 3 times
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate of Deposit
$1,000
4.25%
▲ 1.20% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.25% ▲ 0.40 pts · high 4.25% / low 3.85%
- Oct 14, 20264.25%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
12 Month CD Special
$2,500
4.25%
▲ 1.20% above Kansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal
Rate History
1 change since Sep 29, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Oct 14, 20264.25%▲ from 4.10%
- Sep 29, 20264.10%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month CD
$1,000
4.25%
▲ 1.20% above Kansas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 3, 20264.25%▲ from 3.95%
- Sep 19, 20263.95%first recorded
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month IRA CD
$1,000
4.25%
▲ 1.20% above Kansas avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
IRA Rates
Rate History
1 change since Sep 19, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
- Oct 3, 20264.25%▲ from 3.95%
- Sep 19, 20263.95%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 12 Month
$500
4.25%
▲ 1.20% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
Share Certificate; $500 minimum to open; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
- Oct 13, 20264.25%▲ from 2.53%
- Sep 22, 20262.53%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 12 month
$500
4.25%
▲ 1.20% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.20% above avgNationally 2.99%
Details
$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 90 days dividends
Rate History
1 change since Sep 14, 2026 · 2.53% → 4.25% ▲ 1.72 pts · high 4.25% / low 2.53%
- Oct 9, 20264.25%▲ from 2.53%
- Sep 14, 20262.53%first recorded
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
12 Month Certificate of Deposit
$500
4.20%
▲ 1.15% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 2, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 12 Month
$1,000
4.20%
▲ 1.15% above Kansas avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details
Dividend Rate: 4.14%; $1,000 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
- Sep 21, 20264.20%▲ from 1.90%
- Sep 14, 20261.90%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 12 month
$500
4.20%
▲ 1.15% above Kansas avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average3.05%▲ 1.15% above avgNationally 2.99%
Details
$500 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 1.90% → 4.20% ▲ 2.30 pts · high 4.20% / low 1.90%
- Sep 21, 20264.20%▲ from 1.90%
- Sep 14, 20261.90%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 1 Year
$0
4.18%
▲ 1.13% above Kansas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.13% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.96% → 4.18% ▲ 0.22 pts · high 4.18% / low 3.96%
- Sep 24, 20264.18%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificate of Deposit - 1 Year Variable Rate
$100
4.17%
▲ 1.12% above Kansas avg
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.12% above avgNationally 2.99%
Details
Balance: $100,000+
Rate History
No change since Oct 14, 2026 · 4.17% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 1 Year
$100
4.17%
▲ 1.12% above Kansas avg
▼
Rate4.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.12% above avgNationally 2.99%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.17% ▲ 0.20 pts · high 4.17% / low 3.97%
- Sep 24, 20264.17%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 12 Month
$0
4.16%
▲ 1.11% above Kansas avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average3.05%▲ 1.11% above avgNationally 2.99%
Details
Rate History
No change since Sep 9, 2026 · 4.16% APY · checked 3 times
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
Internet CD - 12 Month
$25,000
4.15%
▲ 1.10% above Kansas avg
▼
Rate4.07%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.10% above avgNationally 2.99%
Details
Internet Only; Apply Online (accounts opened nationwide); SPECIALS; Minimum deposit of $25,000
Rate History
No change since Oct 22, 2026 · 4.15% APY
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
IRA Certificate of Deposit - 12-Month Variable
$500
4.11%
▲ 1.06% above Kansas avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.06% above avgNationally 2.99%
Details
Variable rate based on the 91 Day Treasury Bill, adjusted monthly; guaranteed minimum 3.610% APR with 3.680% APY (effective 4/1/2026 - 3/31/2027); Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest
Rate History
No change since Oct 14, 2026 · 4.11% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Short-Term Certificate
$0
4.10%
▲ 1.05% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average3.05%▲ 1.05% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificate of Deposit - 1 Year Variable Rate
$100
4.07%
▲ 1.02% above Kansas avg
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.02% above avgNationally 2.99%
Details
Balance: $0 - $99,999.99
Rate History
No change since Oct 14, 2026 · 4.07% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 1 Year
$100
4.07%
▲ 1.02% above Kansas avg
▼
Rate4.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average3.05%▲ 1.02% above avgNationally 2.99%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
- Sep 24, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.76%
1 Year Share Certificates
$1,000
4.06%
▲ 1.01% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average3.05%▲ 1.01% above avgNationally 2.99%
Details
Subject to change daily; $1,000.00 minimum opening balance; 90 day penalty for early withdrawal before maturity
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Hutchinson 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 18 Month
$500
3.00%
▲ 0.23% above Kansas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 18 Month
$500
3.00%
▲ 0.23% above Kansas avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 18 Months
$500
2.75%
▼ 0.02% below Kansas avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▼ 0.02% below avgNationally 2.88%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 2.75% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 18 Months
$500
2.75%
▼ 0.02% below Kansas avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▼ 0.02% below avgNationally 2.88%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 2.75% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 18 Month Variable
$1,000
2.05%
▼ 0.72% below Kansas avg
▼
Rate2.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▼ 0.72% below avgNationally 2.88%
Details
Variable rate
Rate History
No change since Oct 14, 2026 · 2.05% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 18 Month Variable
$250
2.05%
▼ 0.72% below Kansas avg
▼
Rate2.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▼ 0.72% below avgNationally 2.88%
Details
Variable rate; may change after account opening; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 2.05% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 18 Month
$1,000
1.65%
▼ 1.12% below Kansas avg
▼
Rate1.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▼ 1.12% below avgNationally 2.88%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 1.65% APY · checked 4 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 18 Month
$250
1.65%
▼ 1.12% below Kansas avg
▼
Rate1.64%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▼ 1.12% below avgNationally 2.88%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
No change since Oct 7, 2026 · 1.65% APY · checked 4 times
Bell Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
1601 N Lorraine St, Hutchinson, KS 67501
18 Month Share Certificates
$0
0.80%
▼ 1.97% below Kansas avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▼ 1.97% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 0.80% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.02% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▼ 2.02% below avgNationally 2.88%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
18 Month Standard CD
$1,000
0.75%
▼ 2.02% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▼ 2.02% below avgNationally 2.88%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA - Jumbo
$500
4.55%
▲ 1.78% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.78% above avgNationally 2.88%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 18 Months
$0
4.42%
▲ 1.65% above Kansas avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.65% above avgNationally 2.88%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.42% APY · checked 3 times
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
18 Month Certificate of Deposit
$500
4.40%
▲ 1.63% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.63% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.10% → 4.40% ▲ 1.30 pts · high 4.40% / low 3.10%
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate of Deposit
$1,000
4.35%
▲ 1.58% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 18, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 7, 20264.35%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
18 Month IRA/Share Certificate
$0
4.35%
▲ 1.58% above Kansas avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.58% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
1 change since Sep 25, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 8, 20264.35%▲ from 3.90%
- Sep 25, 20263.90%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 18 Month
$100
4.33%
▲ 1.56% above Kansas avg
▼
Rate4.29%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.56% above avgNationally 2.88%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Sep 24, 20264.33%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
18 Month Featured CD
$0
4.31%
▲ 1.54% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.54% above avgNationally 2.88%
Details
Open online nationwide or at any OMB Bank branch; rates accurate as of October 15, 2026
Rate History
No change since Oct 20, 2026 · 4.31% APY · checked 2 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
4.30%
▲ 1.53% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.53% above avgNationally 2.88%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.50% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.50% above avgNationally 2.88%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.50% above Kansas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.50% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Jumbo 18 Months Special Certificate
$100,000
4.25%
▲ 1.48% above Kansas avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.48% above avgNationally 2.88%
Details
Jumbo
Rate History
No change since Sep 16, 2026 · 4.25% APY · checked 4 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 18 Month
$100
4.23%
▲ 1.46% above Kansas avg
▼
Rate4.19%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.46% above avgNationally 2.88%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.07% → 4.23% ▲ 0.16 pts · high 4.23% / low 4.07%
- Sep 24, 20264.23%▲ from 4.07%
- Sep 14, 20264.07%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 18 Month
$0
4.18%
▲ 1.41% above Kansas avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.41% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.18% ▲ 0.38 pts · high 4.18% / low 3.80%
- Sep 24, 20264.18%▲ from 3.80%
- Sep 14, 20263.80%first recorded
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
4.17%
▲ 1.40% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.40% above avgNationally 2.88%
Details
IRA CD; must be opened in-branch; rate may change after account is opened; APY accurate as of 10/21/2026; maximum balance limits apply; early withdrawal penalty may apply
Rate History
No change since Oct 21, 2026 · 4.17% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.38% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.38% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
18 Month Certificate of Deposit - Compounding Monthly
$500
4.13%
▲ 1.36% above Kansas avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.36% above avgNationally 2.88%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 4.13% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.33% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
18 Month CD
$0
4.10%
▲ 1.33% above Kansas avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.80% → 4.10% ▲ 0.30 pts · high 4.10% / low 3.80%
- Oct 21, 20264.10%▲ from 3.80%
- Sep 19, 20263.80%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 18 Month
$1,000
4.10%
▲ 1.33% above Kansas avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details
Dividend Rate: 4.04%; $1,000 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
- Sep 21, 20264.10%▲ from 1.97%
- Sep 14, 20261.97%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 18 month
$500
4.10%
▲ 1.33% above Kansas avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.33% above avgNationally 2.88%
Details
$500 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 1.97% → 4.10% ▲ 2.13 pts · high 4.10% / low 1.97%
- Sep 21, 20264.10%▲ from 1.97%
- Sep 14, 20261.97%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$1,000
4.00%
▲ 1.23% above Kansas avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details
IRA; Interest rate and APY may change after account opening
Rate History
1 change since Sep 7, 2026 · 3.79% → 4.00% ▲ 0.21 pts · high 4.00% / low 3.79%
- Oct 3, 20264.00%▲ from 3.79%
- Sep 7, 20263.79%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 18 Month
$1,000
4.00%
▲ 1.23% above Kansas avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18 Months Special Certificate
$1,000
4.00%
▲ 1.23% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 16, 2026 · 4.00% APY · checked 4 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18 Month Premium Certificates of Deposit (CD)
$0
4.00%
▲ 1.23% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.23% above avgNationally 2.88%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Certificates of Deposit (CDs)
$1,000
3.85%
▲ 1.08% above Kansas avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details
Balance: $10,000.00 and over; Interest compounds quarterly; automatically renews; Substantial Penalty for Early Withdrawal
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
18 Month Premier CD
$25,000
3.85%
▲ 1.08% above Kansas avg
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.08% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45%
- Oct 9, 20263.85%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 1.03% above Kansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Rewards
$0
3.80%
▲ 1.03% above Kansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular
$0
3.80%
▲ 1.03% above Kansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards
$0
3.80%
▲ 1.03% above Kansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 19, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA CD Specials - 18-month term
$0
3.80%
▲ 1.03% above Kansas avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 1.03% above avgNationally 2.88%
Details
Rewards APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 19, 20263.80%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75%
▲ 0.98% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month EasyStart Certificate
$50
3.70%
▲ 0.93% above Kansas avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
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
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.77%▲ 0.93% above avgNationally 2.88%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
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
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
- 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
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.92% above avgNationally 2.88%
Details
Rate History
1 change since Sep 7, 2026 · 3.13% → 3.69% ▲ 0.56 pts · high 3.69% / low 3.13%
- 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
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details
Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
IRA - 18 Month CD
$1,000
3.65%
▲ 0.88% above Kansas avg
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details
IRA certificate
Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
18 Month Variable IRA
$25
3.65%
▲ 0.88% above Kansas avg
▼
Rate3.60%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.77%▲ 0.88% above avgNationally 2.88%
Details
Interest Compounded: Quarterly with rates adjusted quarterly
Rate History
No change since Sep 20, 2026 · 3.65% APY · checked 5 times
Hutchinson 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 24 Month
$500
4.00%
▲ 1.16% above Kansas avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 24 Month
$500
4.00%
▲ 1.16% above Kansas avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
2 Year IRA Certificates
$500
3.50%
▲ 0.66% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 0.66% above avgNationally 2.90%
Details
Dividends paid monthly; $500 minimum to open; In-Branch Only
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 2 Years
$500
3.50%
▲ 0.66% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 0.66% above avgNationally 2.90%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 2 Years
$500
3.50%
▲ 0.66% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 0.66% above avgNationally 2.90%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month Business Certificate
$0
3.05%
▲ 0.21% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.21% above avgNationally 2.90%
Details
Rate History
1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month Certificate
$0
3.05%
▲ 0.21% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.21% above avgNationally 2.90%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month HSA Business Certificates
$0
3.05%
▲ 0.21% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.21% above avgNationally 2.90%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month HSA Certificate
$0
3.05%
▲ 0.21% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.21% above avgNationally 2.90%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month Business Certificate
$0
3.00%
▲ 0.16% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.16% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 30, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.05% / low 3.00%
- Oct 19, 20263.00%▼ from 3.05%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month Certificate
$500
3.00%
▲ 0.16% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.16% above avgNationally 2.90%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month HSA Certificate
$0
3.00%
▲ 0.16% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.16% above avgNationally 2.90%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
24 Month IRA/HSA Certificate
$0
3.00%
▲ 0.16% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.16% above avgNationally 2.90%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 24 months
$0
3.00%
▲ 0.16% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 0.16% above avgNationally 2.90%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 6, 20263.00%▼ from 3.05%
- Sep 30, 20263.05%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 24 Month
$1,000
2.80%
▼ 0.04% below Kansas avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▼ 0.04% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 2.80% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 24 Month
$250
2.80%
▼ 0.04% below Kansas avg
▼
Rate2.76%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▼ 0.04% below avgNationally 2.90%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
- Oct 14, 20262.80%▲ from 2.70%
- Oct 7, 20262.70%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
2 Year CD
$1,000
2.77%
▼ 0.07% below Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▼ 0.07% below avgNationally 2.90%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 5 times
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
IRA CD - 2 year
$1,000
2.77%
▼ 0.07% below Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▼ 0.07% below avgNationally 2.90%
Details
Compounding Frequency: Semi-Annually
Rate History
No change since Oct 14, 2026 · 2.77% APY · checked 3 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 24 Month
$1,000
2.70%
▼ 0.14% below Kansas avg
▼
Rate2.67%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▼ 0.14% below avgNationally 2.90%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.70% → 2.70% ▼ 0.00 pts · high 2.80% / low 2.70%
- Oct 20, 20262.70%▼ from 2.80%
- Sep 24, 20262.80%▲ from 2.70%
- Sep 18, 20262.70%first recorded
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
24 Month CD
$0
1.25%
▼ 1.59% below Kansas avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▼ 1.59% below avgNationally 2.90%
Details
Balance: $250 And Up
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
Bell Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
1601 N Lorraine St, Hutchinson, KS 67501
24 Month Share Certificates
$0
1.00%
▼ 1.84% below Kansas avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▼ 1.84% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
24 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.09% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▼ 2.09% below avgNationally 2.90%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
24 Month Standard CD
$1,000
0.75%
▼ 2.09% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▼ 2.09% below avgNationally 2.90%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA - Jumbo
$500
4.55%
▲ 1.71% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.71% above avgNationally 2.90%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Midwest Heritage Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.76%
Certificate of Deposit 24 Months
$0
4.50%
▲ 1.66% above Kansas avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.66% above avgNationally 2.90%
Details
Minimum balance to obtain APY is $1,000; APY is as of 10/9/2026 and may be discontinued at any time; Early withdrawal penalty may be imposed; Offer limited to new, consumer certificates only
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Variable Rate Certificate of Deposit
$100
4.49%
▲ 1.65% above Kansas avg
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.65% above avgNationally 2.90%
Details
Balance: $100,000+
Rate History
No change since Sep 28, 2026 · 4.49% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 2 Year
$100
4.49%
▲ 1.65% above Kansas avg
▼
Rate4.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.65% above avgNationally 2.90%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.49% ▲ 0.31 pts · high 4.49% / low 4.18%
- Sep 24, 20264.49%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.56% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 1.56% above avgNationally 2.90%
Details
Open Online
Rate History
2 changes since Sep 18, 2026 · 3.95% → 4.40% ▲ 0.45 pts · high 4.40% / low 3.95%
- Oct 14, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year Variable Rate Certificate of Deposit
$100
4.39%
▲ 1.55% above Kansas avg
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.55% above avgNationally 2.90%
Details
Balance: $0 - $99,999.99
Rate History
No change since Sep 28, 2026 · 4.39% APY · checked 3 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 2 Year
$100
4.39%
▲ 1.55% above Kansas avg
▼
Rate4.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.55% above avgNationally 2.90%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.18% → 4.39% ▲ 0.21 pts · high 4.39% / low 4.18%
- Sep 24, 20264.39%▲ from 4.18%
- Sep 14, 20264.18%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
4.30%
▲ 1.46% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.46% above avgNationally 2.90%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 24 Month
$0
4.27%
▲ 1.43% above Kansas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.43% above avgNationally 2.90%
Details
Rate History
No change since Sep 9, 2026 · 4.27% APY · checked 3 times
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 2 Year
$0
4.27%
▲ 1.43% above Kansas avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.43% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.83% → 4.27% ▲ 0.44 pts · high 4.27% / low 3.83%
- Sep 24, 20264.27%▲ from 3.83%
- Sep 14, 20263.83%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 2 Year
$0
4.25%
▲ 1.41% above Kansas avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025
Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 24 Month
$500
4.25%
▲ 1.41% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details
Share Certificate; $500 minimum to open; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
- Oct 13, 20264.25%▲ from 3.04%
- Sep 22, 20263.04%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 24 month
$500
4.25%
▲ 1.41% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.41% above avgNationally 2.90%
Details
$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends
Rate History
1 change since Sep 14, 2026 · 3.04% → 4.25% ▲ 1.21 pts · high 4.25% / low 3.04%
- Oct 9, 20264.25%▲ from 3.04%
- Sep 14, 20263.04%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.36% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.36% above avgNationally 2.90%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
24 Month Certificate of Deposit - Compounding Monthly
$500
4.18%
▲ 1.34% above Kansas avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.34% above avgNationally 2.90%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 4.18% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 24 months
$0
4.11%
▲ 1.27% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.27% above avgNationally 2.90%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
24 Month CD Special
$2,500
4.10%
▲ 1.26% above Kansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details
In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal
Rate History
No change since Sep 29, 2026 · 4.10% APY · checked 8 times
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 7.97%
Certificates of Deposit (CDs) - 2 year
$1,000
4.10%
▲ 1.26% above Kansas avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details
Rates effective as of 10/06/2026; Penalty for early withdrawal; Fees may reduce earnings
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
CommunityAmerica Credit Union
24 Month Business Share Certificate
$500
4.10%
▲ 1.26% above Kansas avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.84%▲ 1.26% above avgNationally 2.90%
Details
Rate History
No change since Oct 10, 2026 · 4.10% APY · checked 4 times
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Fixed IRA
$1,000
4.05%
▲ 1.21% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.21% above avgNationally 2.90%
Details
IRA
Rate History
1 change since Sep 7, 2026 · 0.50% → 4.05% ▲ 3.55 pts · high 4.05% / low 0.50%
- Oct 3, 20264.05%▲ from 0.50%
- Sep 7, 20260.50%first recorded
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 2 Year
$1,000
4.05%
▲ 1.21% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.21% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24-Month CD
$0
4.01%
▲ 1.17% above Kansas avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.17% above avgNationally 2.90%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 4.01% APY · checked 9 times
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
CD - 2 year
$500
4.00%
▲ 1.16% above Kansas avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
Personal; Interest Compounded: Quarterly
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2 Year Certificate
$2,000
4.00%
▲ 1.16% above Kansas avg
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
CAP Member and Special CD Rates; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 22, 20264.00%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 2 Year Certificate
$2,000
4.00%
▲ 1.16% above Kansas avg
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
24 Months Certificate
$1,000
4.00%
▲ 1.16% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.84%▲ 1.16% above avgNationally 2.90%
Details
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 23, 20264.00%▲ from 3.50%
- Sep 16, 20263.50%first recorded
Hutchinson 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 36 Month
$500
4.25%
▲ 1.43% above Kansas avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 36 Month
$500
4.25%
▲ 1.43% above Kansas avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
3 Year IRA Certificates
$500
3.50%
▲ 0.68% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Dividends paid monthly; $500 minimum to open; In-Branch Only
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 3 Years
$500
3.50%
▲ 0.68% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 3 Years
$500
3.50%
▲ 0.68% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 0.68% above avgNationally 2.81%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 36 Month
$1,000
3.15%
▲ 0.33% above Kansas avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 0.33% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 36 Month
$250
3.15%
▲ 0.33% above Kansas avg
▼
Rate3.11%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 0.33% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.80% → 3.15% ▲ 0.35 pts · high 3.15% / low 2.80%
- Oct 14, 20263.15%▲ from 2.80%
- Oct 7, 20262.80%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month Business Certificate
$0
3.05%
▲ 0.23% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.23% above avgNationally 2.81%
Details
Rate History
1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month Certificate
$0
3.05%
▲ 0.23% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.23% above avgNationally 2.81%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month HSA Business Certificates
$0
3.05%
▲ 0.23% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.23% above avgNationally 2.81%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month HSA Certificate
$0
3.05%
▲ 0.23% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.23% above avgNationally 2.81%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month Business Certificate
$0
3.00%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.18% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 30, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.05% / low 3.00%
- Oct 19, 20263.00%▼ from 3.05%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month Certificate
$500
3.00%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.18% above avgNationally 2.81%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month HSA Certificate
$0
3.00%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.18% above avgNationally 2.81%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
36 Month IRA/HSA Certificate
$0
3.00%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.18% above avgNationally 2.81%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 36 months
$0
3.00%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 0.18% above avgNationally 2.81%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 6, 20263.00%▼ from 3.05%
- Sep 30, 20263.05%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 36 Month
$1,000
2.80%
▼ 0.02% below Kansas avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▼ 0.02% below avgNationally 2.81%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.80% → 2.80% ▼ 0.00 pts · high 3.15% / low 2.80%
- Oct 20, 20262.80%▼ from 3.15%
- Sep 24, 20263.15%▲ from 2.80%
- Sep 18, 20262.80%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
3 Year CD
$1,000
2.77%
▼ 0.05% below Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▼ 0.05% below avgNationally 2.81%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 5 times
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
IRA CD - 3 year
$1,000
2.77%
▼ 0.05% below Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▼ 0.05% below avgNationally 2.81%
Details
Rates may be subject to change after the account is opened if the account holder is over 59.5 years old; Compounding Frequency: Semi-Annually
Rate History
No change since Oct 14, 2026 · 2.77% APY · checked 3 times
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
36 Month CD
$0
1.35%
▼ 1.47% below Kansas avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▼ 1.47% below avgNationally 2.81%
Details
Certificates Of Deposit $1,000 And Up; Balance: $1,000 and up
Rate History
No change since Oct 13, 2026 · 1.35% APY · checked 2 times
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
IRA CD 36-Month Term
$0
1.35%
▼ 1.47% below Kansas avg
▼
Rate1.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▼ 1.47% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 1.35% APY · checked 2 times
Bell Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.69%
1601 N Lorraine St, Hutchinson, KS 67501
36 Month Share Certificates
$0
1.10%
▼ 1.72% below Kansas avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▼ 1.72% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 1.10% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
36 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.07% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▼ 2.07% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
36 Month Standard CD
$1,000
0.75%
▼ 2.07% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▼ 2.07% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Year
$100
4.73%
▲ 1.91% above Kansas avg
▼
Rate4.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.91% above avgNationally 2.81%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.73% ▲ 0.36 pts · high 4.73% / low 4.37%
- Sep 24, 20264.73%▲ from 4.37%
- Sep 14, 20264.37%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 3 Year
$100
4.63%
▲ 1.81% above Kansas avg
▼
Rate4.58%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.81% above avgNationally 2.81%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.37% → 4.63% ▲ 0.26 pts · high 4.63% / low 4.37%
- Sep 24, 20264.63%▲ from 4.37%
- Sep 14, 20264.37%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA - Jumbo
$500
4.55%
▲ 1.73% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.73% above avgNationally 2.81%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 36 Month
$0
4.37%
▲ 1.55% above Kansas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.55% above avgNationally 2.81%
Details
Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month High Balance CD
$100,000
4.34%
▲ 1.52% above Kansas avg
▼
Rate4.25%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.52% above avgNationally 2.81%
Details
Rates for High Balance CD's
Rate History
1 change since Oct 8, 2026 · 2.63% → 4.34% ▲ 1.71 pts · high 4.34% / low 2.63%
- Oct 23, 20264.34%▲ from 2.63%
- Oct 8, 20262.63%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
4.30%
▲ 1.48% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.48% above avgNationally 2.81%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
36 Months Certificate
$1,000
4.25%
▲ 1.43% above Kansas avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 16, 2026 · 2.50% → 4.25% ▲ 1.75 pts · high 4.25% / low 2.50%
- Oct 23, 20264.25%▲ from 2.50%
- Sep 16, 20262.50%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 36 Month
$500
4.25%
▲ 1.43% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details
Share Certificate; $500 minimum to open; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 13, 20264.25%▲ from 3.45%
- Sep 22, 20263.45%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 36 month
$500
4.25%
▲ 1.43% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.43% above avgNationally 2.81%
Details
$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 180 days dividends
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 19, 20264.25%▲ from 3.45%
- Sep 14, 20263.45%first recorded
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
36 Month Premium Certificates of Deposit (CD)
$0
4.20%
▲ 1.38% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.38% above avgNationally 2.81%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.33% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.33% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36-Month CD
$0
4.15%
▲ 1.33% above Kansas avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.33% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 4.15% APY · checked 9 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 36 months
$0
4.11%
▲ 1.29% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.29% above avgNationally 2.81%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.28% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Year Certificate
$2,000
4.10%
▲ 1.28% above Kansas avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details
CAP Member and Special CD Rates; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 2.50% → 4.10% ▲ 1.60 pts · high 4.10% / low 2.50%
- Oct 22, 20264.10%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 3 Year Certificate
$2,000
4.10%
▲ 1.28% above Kansas avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.28% above avgNationally 2.81%
Details
Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 3 Year
$0
4.06%
▲ 1.24% above Kansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.82%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
- Sep 24, 20264.06%▲ from 3.83%
- Sep 14, 20263.83%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year Certificate of Deposit
$500
4.04%
▲ 1.22% above Kansas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
- Sep 27, 20264.04%▲ from 2.62%
- Sep 7, 20262.62%first recorded
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year IRA
$500
4.04%
▲ 1.22% above Kansas avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.82%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 7, 2026 · 2.62% → 4.04% ▲ 1.42 pts · high 4.04% / low 2.62%
- Sep 27, 20264.04%▲ from 2.62%
- Sep 7, 20262.62%first recorded
Topeka Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.05%
3 Year Share Certificates
$0
4.00%
▲ 1.18% above Kansas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details
Rates effective 12/15/2025
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3 Year Special Certificate
$0
4.00%
▲ 1.18% above Kansas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details
Annual % Rate 3.94%; Annual % Yield 4.00%; Rate code (U)
Rate History
No change since Oct 19, 2026 · 4.00% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 36 months
$0
4.00%
▲ 1.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.18% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Exchange Bank (NE)
Institution Rating:
B4.4 ★Texas Ratio: 21.68%
36 Month CD Special
$2,500
3.90%
▲ 1.08% above Kansas avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details
In select markets only; No minimum to earn APY; Penalty assessed for early withdrawal
Rate History
No change since Sep 29, 2026 · 3.90% APY · checked 8 times
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 3 Year
$0
3.90%
▲ 1.08% above Kansas avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025
Rate History
No change since Oct 15, 2026 · 3.90% APY · checked 2 times
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 36 Month
$1,000
3.90%
▲ 1.08% above Kansas avg
▼
Rate3.84%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details
Dividend Rate: 3.84%; $1,000 minimum deposit on all terms
Rate History
2 changes since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
- Oct 9, 20263.90%▲ from 3.84%
- Sep 21, 20263.84%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 36 month
$500
3.90%
▲ 1.08% above Kansas avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.82%▲ 1.08% above avgNationally 2.81%
Details
$500 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 2.25% → 3.90% ▲ 1.65 pts · high 3.90% / low 2.25%
- Sep 21, 20263.90%▲ from 2.25%
- Sep 14, 20262.25%first recorded
Hutchinson 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business Certificate
$0
4.55%
▲ 1.81% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details
Rate History
1 change since Sep 30, 2026 · 4.50% → 4.55% ▲ 0.05 pts · high 4.55% / low 4.50%
- 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%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Certificate
$0
4.55%
▲ 1.81% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month HSA Business Certificates
$0
4.55%
▲ 1.81% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month HSA Certificate
$0
4.55%
▲ 1.81% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Business Certificate
$0
4.50%
▲ 1.76% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 30, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.55% / low 4.50%
- Oct 19, 20264.50%▼ from 4.55%
- Oct 14, 20264.55%▲ from 4.50%
- Sep 30, 20264.50%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month Certificate
$500
4.50%
▲ 1.76% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month HSA Certificate
$0
4.50%
▲ 1.76% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 4.50% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
48 Month IRA/HSA Certificate
$0
4.50%
▲ 1.76% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 4.50% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 48 months
$0
4.50%
▲ 1.76% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.76% above avgNationally 2.81%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 4.55% → 4.50% ▼ 0.05 pts · high 4.55% / low 4.50%
- Oct 6, 20264.50%▼ from 4.55%
- Sep 30, 20264.55%first recorded
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 48 Month
$500
4.25%
▲ 1.51% above Kansas avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 48 Month
$500
4.25%
▲ 1.51% above Kansas avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
4 Year IRA Certificates
$500
3.25%
▲ 0.51% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.51% above avgNationally 2.81%
Details
Dividends paid monthly; $500 minimum to open; In-Branch Only
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 4 Years
$500
3.25%
▲ 0.51% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.51% above avgNationally 2.81%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 4 Year
$500
3.25%
▲ 0.51% above Kansas avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.51% above avgNationally 2.81%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.25% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 48 Month
$1,000
3.20%
▲ 0.46% above Kansas avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 48 Month
$250
3.20%
▲ 0.46% above Kansas avg
▼
Rate3.15%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.46% above avgNationally 2.81%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.75% → 3.20% ▲ 0.45 pts · high 3.20% / low 2.75%
- Oct 14, 20263.20%▲ from 2.75%
- Oct 7, 20262.75%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
4 Year CD
$1,000
2.77%
▲ 0.03% above Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.03% above avgNationally 2.81%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 5 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 48 Month
$1,000
2.75%
▲ 0.01% above Kansas avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.01% above avgNationally 2.81%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 3.20% / low 2.75%
- Oct 20, 20262.75%▼ from 3.20%
- Sep 24, 20263.20%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
Certificates Of Deposit - 48 Month CD
$0
1.50%
▼ 1.24% below Kansas avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▼ 1.24% below avgNationally 2.81%
Details
Certificates Of Deposit $2,500 And Up
Rate History
No change since Oct 13, 2026 · 1.50% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 1.99% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▼ 1.99% below avgNationally 2.81%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
48 Month Standard CD
$1,000
0.75%
▼ 1.99% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▼ 1.99% below avgNationally 2.81%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 4 Year
$100
4.74%
▲ 2.00% above Kansas avg
▼
Rate4.69%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 2.00% above avgNationally 2.81%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.42% → 4.74% ▲ 0.32 pts · high 4.74% / low 4.42%
- Sep 24, 20264.74%▲ from 4.42%
- Sep 14, 20264.42%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 4 Year
$100
4.64%
▲ 1.90% above Kansas avg
▼
Rate4.59%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.90% above avgNationally 2.81%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.42% → 4.64% ▲ 0.22 pts · high 4.64% / low 4.42%
- Sep 24, 20264.64%▲ from 4.42%
- Sep 14, 20264.42%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA - Jumbo
$500
4.55%
▲ 1.81% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.81% above avgNationally 2.81%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 48 Month
$0
4.37%
▲ 1.63% above Kansas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
4.30%
▲ 1.56% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 1.56% above avgNationally 2.81%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 48 Month
$500
4.25%
▲ 1.51% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details
Share Certificate; $500 minimum to open; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
- Oct 13, 20264.25%▲ from 3.56%
- Sep 22, 20263.56%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 48 month
$500
4.25%
▲ 1.51% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.51% above avgNationally 2.81%
Details
$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.25% ▲ 0.69 pts · high 4.25% / low 3.56%
- Oct 9, 20264.25%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 4 Year
$0
4.06%
▲ 1.32% above Kansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
- Sep 24, 20264.06%▲ from 3.83%
- Sep 14, 20263.83%first recorded
Emporia State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
48 Months Certificate
$1,000
4.00%
▲ 1.26% above Kansas avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details
Rate History
1 change since Sep 16, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 23, 20264.00%▲ from 3.50%
- Sep 16, 20263.50%first recorded
Wichita Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Share Certificate 4 Year
$0
4.00%
▲ 1.26% above Kansas avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates effective as of September 30, 2025
Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Certificate 48 Month
$1,000
4.00%
▲ 1.26% above Kansas avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details
Dividend Rate: 3.94%; $1,000 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
- Sep 21, 20264.00%▲ from 2.35%
- Sep 14, 20262.35%first recorded
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
Share Certificates - 48 month
$500
4.00%
▲ 1.26% above Kansas avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.26% above avgNationally 2.81%
Details
$500 minimum deposit on all terms
Rate History
1 change since Sep 14, 2026 · 2.35% → 4.00% ▲ 1.65 pts · high 4.00% / low 2.35%
- Sep 21, 20264.00%▲ from 2.35%
- Sep 14, 20262.35%first recorded
CommunityAmerica Credit Union
48 Month Business Share Certificate
$500
3.95%
▲ 1.21% above Kansas avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.21% above avgNationally 2.81%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.21% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate - DDEP Bonus
$100,000
3.90%
▲ 1.16% above Kansas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 1.16% above avgNationally 2.81%
Details
JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening
Rate History
No change since Oct 20, 2026 · 3.90% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
48 Month Premium Certificates of Deposit (CD)
$0
3.90%
▲ 1.16% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.16% above avgNationally 2.81%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
48 Month Share Certificate
$0
3.82%
▲ 1.08% above Kansas avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 1.08% above avgNationally 2.81%
Details
Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 2 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Share Certificate - DDEP Bonus
$1,000
3.75%
▲ 1.01% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms
Rate History
No change since Oct 20, 2026 · 3.75% APY
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 48 Months
$0
3.75%
▲ 1.01% above Kansas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month CD
$0
3.75%
▲ 1.01% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Adjustable Rate IRA
$0
3.75%
▲ 1.01% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
Interest Compounded: Quarterly; IRA holders age 59.5 and older can request a rate bump once every 6 months
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 5 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Certificate of Deposit
$0
3.75%
▲ 1.01% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
Interest compounded Quarterly; Footnote *: Certificates of Deposit and IRAs only
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Certificate of Deposit - 48 Months
$0
3.75%
▲ 1.01% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 1.01% above avgNationally 2.81%
Details
Interest Compounded: Quarterly; Certificates of Deposit and IRAs only
Rate History
No change since Oct 22, 2026 · 3.75% APY
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Preferred Certificates of Deposit (CD) - 48 months
$0
3.70%
▲ 0.96% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.96% above avgNationally 2.81%
Details
Balance: $25,000.00-$74,999.99
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
48 Month Jumbo Share Certificate
$100,000
3.65%
▲ 0.91% above Kansas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.74%▲ 0.91% above avgNationally 2.81%
Details
JUMBO certificate
Rate History
No change since Oct 20, 2026 · 3.65% APY
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month CD
$1,000
3.65%
▲ 0.91% above Kansas avg
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.74%▲ 0.91% above avgNationally 2.81%
Details
Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48-Month CD
$0
3.60%
▲ 0.86% above Kansas avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.86% above avgNationally 2.81%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
Certificates of Deposit (CD) - 48 months
$0
3.60%
▲ 0.86% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.74%▲ 0.86% above avgNationally 2.81%
Details
Balance: $500.00 - $24,999.99
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.27%
48 Month Certificate of Deposit - Compounding Monthly
$500
3.56%
▲ 0.82% above Kansas avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.74%▲ 0.82% above avgNationally 2.81%
Details
Fixed Rate; Interest compounded monthly
Rate History
No change since Oct 22, 2026 · 3.56% APY
Hutchinson 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Business Certificates - 60 Month
$500
3.50%
▲ 0.63% above Kansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
1803 N Lorraine St, Hutchinson, KS 67502
Certificates - 60 Month
$500
3.50%
▲ 0.63% above Kansas avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
5 Year IRA Certificates
$500
3.50%
▲ 0.63% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details
Dividends paid monthly; $500 minimum to open; In-Branch Only
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Business Simple Share Certificate - 5 Years
$500
3.50%
▲ 0.63% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details
Dividends paid monthly; Membership required; In-Branch Only (business products can only be opened in branch); Rates effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
Credit Union of America
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
2616 N Main St, Hutchinson, KS 67502
Share Certificate - 5 Years
$500
3.50%
▲ 0.63% above Kansas avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.63% above avgNationally 2.92%
Details
Nominal Rate/APY; Certificate of Deposit Rates Effective 9.29.2026
Rate History
No change since Oct 22, 2026 · 3.50% APY
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CD 60 Month
$1,000
3.25%
▲ 0.38% above Kansas avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.38% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
IRA Roth and Education 60 Month
$250
3.25%
▲ 0.38% above Kansas avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.38% above avgNationally 2.92%
Details
Early withdrawal penalty may apply; variable rate may change after account opening
Rate History
1 change since Oct 7, 2026 · 2.95% → 3.25% ▲ 0.30 pts · high 3.25% / low 2.95%
- Oct 14, 20263.25%▲ from 2.95%
- Oct 7, 20262.95%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month Business Certificate
$0
3.05%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.18% above avgNationally 2.92%
Details
Rate History
1 change since Sep 30, 2026 · 3.00% → 3.05% ▲ 0.05 pts · high 3.05% / low 3.00%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month Certificate
$0
3.05%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.18% above avgNationally 2.92%
Details
Balance: $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month HSA Business Certificates
$0
3.05%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.18% above avgNationally 2.92%
Details
Balance: $250,000 and up; table heading not confirmed in page context; IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month HSA Certificate
$0
3.05%
▲ 0.18% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.18% above avgNationally 2.92%
Details
IRA/HSA Certificate Rates - $250,000 and up
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month Business Certificate
$0
3.00%
▲ 0.13% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.13% above avgNationally 2.92%
Details
Rate History
2 changes since Sep 30, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.05% / low 3.00%
- Oct 19, 20263.00%▼ from 3.05%
- Oct 14, 20263.05%▲ from 3.00%
- Sep 30, 20263.00%first recorded
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month Certificate
$500
3.00%
▲ 0.13% above Kansas avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.13% above avgNationally 2.92%
Details
Balance: $500 - $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month HSA Certificate
$0
3.00%
▲ 0.13% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.13% above avgNationally 2.92%
Details
Balance: $500 - $249,999; Table label: IRA/HSA Certificate Rates; IRA/HSA Certificate Rates - $500 to $249,999
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
60 Month IRA/HSA Certificate
$0
3.00%
▲ 0.13% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.13% above avgNationally 2.92%
Details
Balance: $500 - $249,999; Minimum investment for an IRA certificate is $500.00
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 5 times
Heartland Credit Union Hutchinson, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.12%
900 E 23rd Ave, Hutchinson, KS 67502 5648
Certificate - 60 months
$0
3.00%
▲ 0.13% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.13% above avgNationally 2.92%
Details
APY*
Rate History
1 change since Sep 30, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 6, 20263.00%▼ from 3.05%
- Sep 30, 20263.05%first recorded
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
700 E 30th Ave, Hutchinson, KS 67502
CDs Minimum - 60 Month
$1,000
2.95%
▲ 0.08% above Kansas avg
▼
Rate2.91%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.08% above avgNationally 2.92%
Details
$1,000; CDs $1,000 Minimum; Early withdrawal penalty may apply
Rate History
2 changes since Sep 18, 2026 · 2.95% → 2.95% ▼ 0.00 pts · high 3.25% / low 2.95%
- Oct 20, 20262.95%▼ from 3.25%
- Sep 24, 20263.25%▲ from 2.95%
- Sep 18, 20262.95%first recorded
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 N Main St, Hutchinson, KS 67501
5 Year CD
$1,000
2.77%
▼ 0.10% below Kansas avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▼ 0.10% below avgNationally 2.92%
Details
Compounding Frequency: Semi-Annually; Effective as of 10/20/2026
Rate History
No change since Sep 19, 2026 · 2.77% APY · checked 5 times
Hutchinson Government Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.81%
121 E Avenue A, Hutchinson, KS 67501
IRA CD 60-Month Term
$0
1.50%
▼ 1.37% below Kansas avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▼ 1.37% below avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 1.50% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
60 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.12% below Kansas avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▼ 2.12% below avgNationally 2.92%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
829 E 30th Ave, Hutchinson, KS 67502
60 Month Standard CD
$1,000
0.75%
▼ 2.12% below Kansas avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▼ 2.12% below avgNationally 2.92%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 2 times
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 5 Year
$1,000
4.79%
▲ 1.92% above Kansas avg
▼
Rate4.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.92% above avgNationally 2.92%
Details
Balance: $100,000+
Rate History
1 change since Sep 14, 2026 · 4.48% → 4.79% ▲ 0.31 pts · high 4.79% / low 4.48%
- Sep 24, 20264.79%▲ from 4.48%
- Sep 14, 20264.48%first recorded
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
Certificates of Deposit (CDs) - 5 Year
$1,000
4.69%
▲ 1.82% above Kansas avg
▼
Rate4.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.82% above avgNationally 2.92%
Details
Balance: $0 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 4.48% → 4.69% ▲ 0.21 pts · high 4.69% / low 4.48%
- Sep 24, 20264.69%▲ from 4.48%
- Sep 14, 20264.48%first recorded
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA - Jumbo
$500
4.55%
▲ 1.68% above Kansas avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.68% above avgNationally 2.92%
Details
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
Rate History
1 change since Oct 14, 2026 · 4.04% → 4.55% ▲ 0.51 pts · high 4.55% / low 4.04%
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates Of Deposit - 60 Months
$1,000
4.50%
▲ 1.63% above Kansas avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.63% above avgNationally 2.92%
Details
Compounded: Quarterly; Open Online: Click to Open
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Sep 24, 20264.50%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Certificates of Deposit - 60 Month
$0
4.37%
▲ 1.50% above Kansas avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.50% above avgNationally 2.92%
Details
Rate History
No change since Sep 9, 2026 · 4.37% APY · checked 3 times
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
4.30%
▲ 1.43% above Kansas avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.43% above avgNationally 2.92%
Details
Standard rate; Minimum Opening Deposit: $500
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.30% ▲ 0.51 pts · high 4.30% / low 3.79%
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
60-Month CD
$0
4.30%
▲ 1.43% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.43% above avgNationally 2.92%
Details
Featured rate; Open online or at any CapFed branch
Rate History
No change since Oct 21, 2026 · 4.30% APY
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Business Certificates - 60 Month
$500
4.25%
▲ 1.38% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.92%
Details
Share Certificate; $500 minimum to open; penalty for early withdrawal
Rate History
1 change since Sep 22, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
- Oct 13, 20264.25%▲ from 3.66%
- Sep 22, 20263.66%first recorded
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Certificates - 60 month
$500
4.25%
▲ 1.38% above Kansas avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.38% above avgNationally 2.92%
Details
$500 minimum to open Share Certificate; Personal, business, and IRA funds are eligible; Early withdrawal penalty: 365 days dividends
Rate History
1 change since Sep 14, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
- Oct 9, 20264.25%▲ from 3.66%
- Sep 14, 20263.66%first recorded
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60 Month CD
$500
4.22%
▲ 1.35% above Kansas avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 1.35% above avgNationally 2.92%
Details
Rate History
No change since Sep 19, 2026 · 4.22% APY · checked 9 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate - DDEP Bonus
$100,000
4.15%
▲ 1.28% above Kansas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.28% above avgNationally 2.92%
Details
JUMBO certificate; DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening
Rate History
No change since Oct 20, 2026 · 4.15% APY
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Certificates of Deposit - 5 Year
$0
4.06%
▲ 1.19% above Kansas avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.19% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.83% → 4.06% ▲ 0.23 pts · high 4.06% / low 3.83%
- Sep 24, 20264.06%▲ from 3.83%
- Sep 14, 20263.83%first recorded
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate - DDEP Bonus
$1,000
4.00%
▲ 1.13% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details
DDEP bonus: requires DDEP of $1,000.00 or more monthly; applied upfront after account opening; 36 months and longer terms
Rate History
No change since Oct 20, 2026 · 4.00% APY
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5 Year Certificate
$2,000
4.00%
▲ 1.13% above Kansas avg
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details
CAP Member and Special CD Rates; Early withdrawal penalty applies
Rate History
1 change since Sep 24, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 22, 20264.00%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
CAP Member and Special CD - 5 Year Certificate
$2,000
4.00%
▲ 1.13% above Kansas avg
▼
Rate3.94%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 1.13% above avgNationally 2.92%
Details
Eligibility: CAP Member (Client Appreciation Program Member in good standing) or Non-CAP Member with new dollars from outside Mutual Savings; penalty for early withdrawal; interest rate and APY may change after account opening
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
CommunityAmerica Credit Union
60 Month Business Share Certificate
$500
3.95%
▲ 1.08% above Kansas avg
▼
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.92%
Details
Rates effective as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
Rate3.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.08% above avgNationally 2.92%
Details
Rate History
No change since Oct 10, 2026 · 3.95% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.90%
▲ 1.03% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Jumbo Share Certificate
$100,000
3.90%
▲ 1.03% above Kansas avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 1.03% above avgNationally 2.92%
Details
JUMBO certificate
Rate History
No change since Oct 20, 2026 · 3.90% APY
Empower Blue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
60 Month Share Certificate
$0
3.87%
▲ 1.00% above Kansas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 1.00% above avgNationally 2.92%
Details
Jumbo rate; Avg Daily Balance Required to Earn Dividends: $50,000+
Rate History
No change since Oct 14, 2026 · 3.87% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year Long-Term Certificate
$0
3.85%
▲ 0.98% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month CD
$0
3.85%
▲ 0.98% above Kansas avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.98% above avgNationally 2.92%
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Farmers Insurance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
60 Month Share Certificate
$1,000
3.75%
▲ 0.88% above Kansas avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
CD - 60 Months
$0
3.75%
▲ 0.88% above Kansas avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details
Interest paid by crediting another account or compounded into the certificate; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Certificate of Deposit
$0
3.75%
▲ 0.88% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details
Interest compounded Quarterly; Footnote *: Certificates of Deposit and IRAs only; Footnote ***: New Roth IRA Certificates of Deposit only
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Certificate of Deposit - 60 Months
$0
3.75%
▲ 0.88% above Kansas avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.88% above avgNationally 2.92%
Details
Interest Compounded: Quarterly; Certificates of Deposit and IRAs only; New Roth IRA Certificates of Deposit only
Rate History
No change since Oct 22, 2026 · 3.75% APY
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
Companion CD Accounts - 60 Months
$0
3.70%
▲ 0.83% above Kansas avg
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.92%
Details
Interest compounded: Quarterly
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
United Consumers Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
60 Month Premium Certificates of Deposit (CD)
$0
3.70%
▲ 0.83% above Kansas avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Kansas Average2.87%▲ 0.83% above avgNationally 2.92%
Details
Balance: $75,000+; Dividends compounded monthly and paid monthly; Early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month CD
$1,000
3.65%
▲ 0.78% above Kansas avg
▼
Rate3.62%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Kansas Average2.87%▲ 0.78% above avgNationally 2.92%
Details
Rate History
No change since Sep 7, 2026 · 3.65% APY · checked 11 times
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Hutchinson, KS CD Rate Trends
Compare local Hutchinson, KS CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD KS Avg
3.052%
▲ 0.032 vs 7 days ago
Kansas 12-month CD rates rose 0.032 points over the past 7 days to 3.052% APY.
6-Month CD KS Avg
2.707%
▼ 0.003 vs 7 days ago
Kansas 6-month CD rates fell 0.003 points over the past 7 days to 2.707% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
3.052%
6-Month Forecast
3.052%
Range: 2.85%, 3.20%
12-Month Forecast
3.302%
Range: 3.10%, 3.45%
Powered by
MonitorBankRates
What Your Savings Earn at KS CD Rates Today
Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.
| CD Term | KS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.950% | $97.52 | $195.04 | $487.60 | $975.20 |
| 6-Month CD | 2.707% | $135.34 | $270.67 | $676.68 | $1,353.35 |
| 12-Month CD | 3.052% | $152.60 | $305.19 | $762.97 | $1,525.95 |
| 18-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 24-Month CD | 2.839% | $141.94 | $283.88 | $709.70 | $1,419.40 |
| 36-Month CD | 2.815% | $140.77 | $281.53 | $703.83 | $1,407.65 |
| 48-Month CD | 2.739% | $136.97 | $273.94 | $684.85 | $1,369.70 |
| 60-Month CD | 2.866% | $143.31 | $286.61 | $716.53 | $1,433.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Hutchinson, Kansas Savers
$25,000 split equally across 5 terms using today’s Kansas average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | KS Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.950% | $97.52 |
| 2 | 6-Month CD | $5,000 | 2.707% | $135.34 |
| 3 | 12-Month CD | $5,000 | 3.052% | $152.60 |
| 4 | 24-Month CD | $5,000 | 2.839% | $141.94 |
| 5 | 36-Month CD | $5,000 | 2.815% | $140.77 |
| Total ($25,000 invested) | $25,000 | 2.673% blended | $668.17/yr | |
Ladder example uses equal $5,000 rungs and Kansas average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Powered byMonitorBankRates
1,316
CD Rates
Tracked in Hutchinson, Kansas
Tracked in Hutchinson, Kansas
80 Banks
45 Credit Unions
About Our Hutchinson, Kansas CD Rate Database
MonitorBankRates tracks 1,316 CD rates from 80 banks and 45 credit unions with locations in Hutchinson, 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: Heartland Credit Union Hutchinson, KS offers a CD at 4.55% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Hutchinson, Kansas.
How to Find the Best CD Rates in Hutchinson, Kansas
What to compare when shopping for a CD in Hutchinson, Kansas
To find the best APYs in Hutchinson, Kansas, start with credit unions and online-only banks: Hutchinson, 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 Hutchinson, 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 Hutchinson, Kansas: 125 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Hutchinson, Kansas savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Hutchinson, Kansas money market rates
Hutchinson, Kansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.5%
National avg: 17.3%
Median Individual Earnings
$32,699
National avg: $47,340
Poverty Rate
14.9%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$100/yr
At KS 12-mo avg 3.052% APY
17.5% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 3.052%, saving 10% of the local median salary ($3,269/year) and putting it in a CD would earn an additional $100 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, Kansas as everywhere in the U.S.
Choosing a CD Term in Hutchinson, 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 Hutchinson, Kansas savers easier access to their funds. For example, Envista Federal Credit Union is offering its Business Certificates - 6 Month at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Envista Federal Credit Union is offering its Business Certificates - 60 Month at 3.50% 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, Kansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Hutchinson, 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 Hutchinson, Kansas
Are CD rates in Hutchinson, Kansas FDIC insured?
Yes, most established banks in Hutchinson, 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, 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 Hutchinson, Kansas?
Here are recent top rates found for this area:
- Heartland Credit Union Hutchinson, KS: 4.55% APY (48 Month Business Certificate)
- Envista Federal Credit Union: 4.25% APY (Business Certificates - 36 Month)
- Simmons Bank: 3.65% APY (6-month CD)
- Credit Union of America: 3.50% APY (2 Year IRA Certificates)
- RCB Bank: 3.25% APY (CD 60 Month)
- First National Bank of Hutchinson: 2.77% APY (2 Year CD)
- Hutchinson Government Employees Credit Union: 1.50% APY (Certificates Of Deposit - 48 Month CD)
- Bell Credit Union: 1.10% APY (36 Month Share Certificates)
- BMO Bank National Association: 0.75% APY (12 Month IRA Certificate of Deposit)
- Topeka Police Credit Union: 5.00% APY (Kid's Certificates - 6 Month)
Rates reflect recent verified offers available in Hutchinson, Kansas. Last Updated: October 23, 2026
Hutchinson, 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 Hutchinson, 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.
CD Calculators for Hutchinson, Kansas
Hutchinson, Kansas CD Calculator
At today’s KS top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.
Hutchinson, Kansas CD LadderKS CD rates currently range from 1.950% (3-month) to 2.815% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hutchinson, Kansas CD at 4.55% 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 SavingsKansas’s average 12-month CD is 3.052% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hutchinson, 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 Hutchinson, 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 Hutchinson, Kansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
Hutchinson, Kansas Rates & Resources
Hutchinson, Kansas Mortgage Rates
Hutchinson, Kansas Refinance Rates
Hutchinson, Kansas Home Equity Loan Rates
Hutchinson, Kansas Savings Rates
Hutchinson, Kansas Money Market Rates
Hutchinson, Kansas Checking Rates
Hutchinson, Kansas Auto Loan Rates
Hutchinson, Kansas Personal Loan Rates
Hutchinson, Kansas Homeowners Insurance
Hutchinson, Kansas Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking