Shawnee, Kansas Best CD Rates November 2026
Brian McKay
Brian McKay
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Shawnee, Kansas CD rates range from 0.05% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Shawnee, Kansas CD rates include Capitol Federal Savings BankCapitol Federal Savings Bank5700 Nieman Rd, Shawnee, KS 66203A+5.0 ★Texas Ratio: 5.21%Real return: +0.60%APY minus CPIRate verified Nov 11, 2026 offering 48-Month CD at 4.30% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union16110 W 65th St, Shawnee, KS 66217Real return: +0.40%APY minus CPIRate verified Nov 9, 2026 offering 24 Month Business Share Certificate at 4.10% APY, UMB BankUMB Bank22320 W 66th St, Shawnee, KS 66226A+5.0 ★Texas Ratio: 1.78%Real return: +0.15%APY minus CPIRate verified Nov 11, 2026 offering 3-Month Time Deposit Account at 3.85% APY, Security Bank of Kansas CitySecurity Bank of Kansas City15110 Shawnee Mission Pkwy, Shawnee, KS 66217A+5.0 ★Texas Ratio: 0.12%Real return: -0.10%APY minus CPIRate verified Nov 11, 2026 offering 18 Month Certificate of Deposit at 3.60% APY, and KUMC Credit UnionKUMC Credit Union12510 W 62nd Ter Ste 104, Shawnee, KS 66216 1869A+5.0 ★Texas Ratio: 0.08%Real return: -0.51%APY minus CPIRate verified Nov 8, 2026 offering Share Certificate - 36 months at 3.19% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Shawnee has 74 local institutions in our database, with CD rates as high as 4.30% APY from Capitol Federal Savings Bank at 5700 Nieman Rd, Shawnee, KS 66203. 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: November 12, 2026
Compare Best CD Rates in Shawnee, Kansas & the Surrounding Area
Shawnee 3 Month CD Rates
Balance: under $100k; Limited time special offer; Annual Percentage Yield effective as of 11/10/2026; Restrictions apply; Not available for individual retirement or business accounts; Penalty for early withdrawal
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Compounding: At maturity; Availability: Open Online
Interest credited At Maturity; Account maximum $500,000; FDIC insured
Savings Accounts featured card
Promotional yield on 3.93% base rate; membership eligibility required; new Certificates only; IRA share certificates excluded
Balance: $100,000+
Shawnee 6 Month CD Rates
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
Rates effective as of November 14th, 2025; APR column as printed on page
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
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
$500 minimum deposit on all terms; As of 9/18/2026
In select markets only; Offer may expire without notice; No minimum to earn APY; Penalty assessed for early withdrawal
- Oct 14, 20264.20%▲ from 4.00%
- Sep 29, 20264.00%first recorded
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
Internet Only; Apply Online (accounts opened nationwide); SPECIALS; Minimum deposit of $25,000
Early withdrawal penalties may apply
Shawnee 12 Month CD Rates
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Rates effective as of November 14th, 2025; APR column as printed on page
Minimum: $200 (add'l deposits) / $500 (single deposit)
FDIC insured up to maximum amount allowed; $500 minimum deposit if automatic renewal, $2,500 if not automatic renewal
$500 minimum opening deposit with automatic renewal ($2,500 without automatic renewal); FDIC insured up to maximum amount allowed
A 12-month, fixed-rate CD for kids; minimum $25 per additional deposit; not available to open online
Relationship Interest Rate; Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $0 - $4,999.99; CA Bay Area counties only; early withdrawal penalties may apply
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Shawnee 18 Month CD Rates
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
- Oct 2, 20263.60%▲ from 3.03%
- Sep 18, 20263.03%first recorded
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Interest Compounded and Credited Quarterly; Rates are variable and may change after account opening; An early withdrawal penalty may be assessed
Rates effective as of 10/19/2026
Minimum: $200 (add'l deposits) / $500 (single deposit)
FDIC insured up to maximum amount allowed; $500 minimum deposit if automatic renewal, $2,500 if not automatic renewal
$500 minimum opening deposit with automatic renewal ($2,500 without automatic renewal); FDIC insured up to maximum amount allowed
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Compounding: Quarterly; Availability: Open Online
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
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
- Oct 2, 20264.40%▲ from 3.10%
- Sep 18, 20263.10%first recorded
- Oct 7, 20264.35%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.90%
- Sep 18, 20263.90%first recorded
Shawnee 24 Month CD Rates
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
- Oct 2, 20263.60%▲ from 3.03%
- Sep 18, 20263.03%first recorded
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Rates effective as of November 14th, 2025; APR column as printed on page
- Nov 11, 20262.25%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates Effective September 30, 2025
- Nov 2, 20264.75%▲ from 4.25%
- Oct 15, 20264.25%first recorded
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
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
Balance: $100,000+
Balance: $100,000+
Open Online
- Oct 14, 20264.40%▲ from 4.00%
- Sep 24, 20264.00%▲ from 3.95%
- Sep 18, 20263.95%first recorded
Balance: $0 - $99,999.99
Shawnee 36 Month CD Rates
Rates effective as of 10/19/2026
Rates effective as of November 14th, 2025; APR column as printed on page
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
- Nov 11, 20262.25%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $100,000+
Balance: $0 - $99,999.99
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest; Rates Effective September 30, 2025
- Nov 2, 20264.50%▲ from 3.90%
- Oct 15, 20263.90%first recorded
Rates for High Balance CD's
- Oct 23, 20264.34%▲ from 2.63%
- Oct 8, 20262.63%first recorded
- Oct 26, 20264.31%▲ from 3.64%
- Oct 13, 20263.64%first recorded
Shawnee 48 Month CD Rates
Open online or at any CapFed branch; $1,000 minimum balance to open and earn APY; interest compounded daily and paid quarterly
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $100,000+
Balance: $0 - $99,999.99
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Balance: $250,000 and up
Balance: $500 - $249,999
Balance: $500 - $249,999; Includes Traditional, Roth, Coverdell, and SEP accounts
Shawnee 60 Month CD Rates
Rates effective as of 10/19/2026
Certificates of Deposit - Fixed Rate / Interest Compounded and Credited Quarterly
IRA Certificates of Deposit - Fixed Rate; Interest Compounded and Credited Quarterly
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Balance: $100,000+
Balance: $0 - $99,999.99
Jumbo CD; certificate balances $250,000 & above; rates only apply when additional qualifications are met
- Oct 20, 20264.55%▲ from 4.04%
- Oct 14, 20264.04%first recorded
Compounded: Quarterly; Open Online: Click to Open
Standard rate; Minimum Opening Deposit: $500
- Oct 20, 20264.30%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Shawnee, KS CD Rate Trends
Compare local Shawnee, 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.
Kansas 12-month CD rates rose 0.005 points over the past 7 days to 3.060% APY.
Kansas 6-month CD rates fell 0.004 points over the past 7 days to 2.687% APY.
KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.926% | $96.28 | $192.55 | $481.38 | $962.75 |
| 6-Month CD | 2.687% | $134.35 | $268.70 | $671.75 | $1,343.50 |
| 12-Month CD | 3.060% | $153.01 | $306.02 | $765.05 | $1,530.10 |
| 18-Month CD | 2.761% | $138.07 | $276.14 | $690.35 | $1,380.70 |
| 24-Month CD | 2.841% | $142.04 | $284.07 | $710.18 | $1,420.35 |
| 36-Month CD | 2.819% | $140.95 | $281.89 | $704.73 | $1,409.45 |
| 48-Month CD | 2.744% | $137.18 | $274.36 | $685.90 | $1,371.80 |
| 60-Month CD | 2.866% | $143.32 | $286.64 | $716.60 | $1,433.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for Shawnee, 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 | 1.926% | $96.28 |
| 2 | 6-Month CD | $5,000 | 2.687% | $134.35 |
| 3 | 12-Month CD | $5,000 | 3.060% | $153.01 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.04 |
| 5 | 36-Month CD | $5,000 | 2.819% | $140.95 |
| Total ($25,000 invested) | $25,000 | 2.667% blended | $666.63/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.
Tracked in Shawnee, Kansas
About Our Shawnee, Kansas CD Rate Database
MonitorBankRates tracks 1,333 CD rates from 82 banks and 45 credit unions with locations in Shawnee, 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: Capitol Federal Savings Bank offers a CD at 4.30% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Shawnee, Kansas.
How to Find the Best CD Rates in Shawnee, Kansas
What to compare when shopping for a CD in Shawnee, Kansas
To find the best APYs in Shawnee, Kansas, start with credit unions and online-only banks: Shawnee, 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 Shawnee, 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 Shawnee, Kansas: 127 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Shawnee, 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 Shawnee, Kansas money market rates
Shawnee, Kansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
15.2% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.3% reflects a strong local economy. At today’s KS 12-month CD average of 3.060%, saving 10% of the local median salary ($5,407/year) and putting it in a CD would earn an additional $165 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 Shawnee, 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 |
CD Product Information
How CDs Work
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 Shawnee, 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 Shawnee, Kansas as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Shawnee, Kansas savers easier access to their funds. For example, CommunityAmerica Credit Union is offering its 6 Month Business Share Certificate at 3.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CommunityAmerica Credit Union is offering its 60 Month Business Share Certificate at 3.95% 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
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 Shawnee, 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
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 Shawnee, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Shawnee, 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 Shawnee, Kansas
What are CD rates in Shawnee, Kansas today?
Are CD rates in Shawnee, Kansas FDIC insured?
Do I have to pay state taxes on CD interest in Shawnee, Kansas?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Shawnee, Kansas?
- Capitol Federal Savings Bank: 4.30% APY (48-Month CD)
- CommunityAmerica Credit Union: 4.10% APY (24 Month Business Share Certificate)
- UMB Bank: 3.85% APY (3-Month Time Deposit Account)
- Security Bank of Kansas City: 3.60% APY (18 Month Certificate of Deposit)
- KUMC Credit Union: 3.19% APY (Share Certificate - 36 months)
- Intrust Bank: 2.70% APY (12 Month Certificate of Deposit)
- Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
- 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)
- Grant County Bank: 4.79% APY (Certificates of Deposit (CDs) - 5 Year)
Shawnee, 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 Shawnee, Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 Shawnee, Kansas
At today’s KS top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Shawnee, Kansas CD LadderKS CD rates currently range from 1.926% (3-month) to 2.819% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Shawnee, Kansas CD at 4.30% 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 3.060% 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 Shawnee, 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 Shawnee, 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 Shawnee, 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.
Shawnee, Kansas Rates & Resources
