CD Rates Union, Kansas (KS) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Union, Kansas CD rates include Farmers and Merchants Bank Milligan, NEFarmers and Merchants Bank Milligan, NEA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 24 Month CD at 4.16% APY, Carson BankCarson BankA+5.0 ★Texas Ratio: 1.31%Real return: +1.26%APY minus CPI (February 2026) offering 180 Day CD at 4.06% APY, Omb BankOmb BankA+5.0 ★Texas Ratio: 4.97%Real return: +1.25%APY minus CPI (February 2026) offering 3 Month CD at 4.05% APY, Mid-America BankMid-America BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.24%APY minus CPI (February 2026) offering 60 Month CD or IRA Jumbo at 4.04% APY, and KS StateBankKS StateBankA5.0 ★Texas Ratio: 9.13%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month CD at 4.00% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Union is a smaller community with no bank or credit union branches currently in our database. 526 institutions serving the Kansas area are available to Union residents, with CD rates as high as 4.16% APY from Farmers and Merchants Bank Milligan, NE. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 20, 2026
Compare Best CD Rates in Union, Kansas & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
3-Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
3-Month Share Certificate
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
3 Month Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
3 Month Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 90 Days
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
3 Month Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 3 Months
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
CD's greater than or equal to ** 3 months
$0
2.03%
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
90 Day CD
$0
1.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Certificates of Deposit 3-month
$1,000
1.65%
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
3 Month Certificate
$500
1.00%
▼
Rate0.99%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 3 Month
$10,000
0.66%
▼
Rate0.66%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months Certificate of Deposit
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
3 Month Certificate
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 3 Month
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
Regular 3 Month Share Certificate
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Certificate of Deposit
$500
0.40%
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
3 Month Certificate of Deposit
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CD Only
Farmers State Bank Wathena, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.00%
3 Month Certificates of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
90 Day Certificate of Deposit
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 6 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 6 Months
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
6 Month CD Special
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
Rate3.76%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
6 Month Certificate
$2,500
3.79%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month (Jumbo) Certificate of Deposit
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6-Month CD Special
$2,500
3.70%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank CD Specials are available as a limited time offer. $2,500 minimum balance required, other restrictions apply.
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
$50,000 - $250,000 New Money
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Share Certificate
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
6 months Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 6 months
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
6-Month CD
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 6 Mo. Jumbo
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
6 Month Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
6 Month Share CD or IRA CD
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 6 Month
$10,000
3.42%
▼
Rate3.38%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 6 month term
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
6 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
6 Month Share/IRA Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
6 Months CD Options
$0
3.28%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$1,000
3.26%
▼
Rate3.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Home Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 180 Days
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates 6 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
6 Month Share Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
6 Month Certificate of Deposit
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Certificate
$500
2.97%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
6 Month Certificate of Deposit
$500
2.87%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate of Deposit
$500
2.87%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Share Certificates 6 months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 6 Months
$0
2.62%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FSB of Aliceville, Kansas
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
CD - 6 month
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Certificate of Deposit
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Certificates of Deposit 6-month
$1,000
2.40%
▼
Rate2.37%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 6 Months
$1,000
2.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
CD's greater than or equal to ** 6 months
$0
2.24%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12-Month CD
$500
4.11%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Penalty for early withdrawal
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Special CD
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 1 Year
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
Jumbo Certificate to open 12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year Share CD or IRA CD
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Community National Bank Seneca, KS
Institution Rating:
F2.6 ★Texas Ratio: 44.27%
CD Special: Online Only - 12 mo. Term
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Online Only; Annual Percentage Yield (APY) is 3.80% on this 12 Month Certificate of Deposit. Minimum deposit of $1,000.00 is required to obtain Annual Percentage Yield (APY). Annual Percentage Yield (APY) stated accurate as of 1/7/2026. Substantial penalty for early withdrawals. Maximum amount to open CD is $90,000 Only available to Consumer Customers. No Institutional or Public Funds are eligible for this promotion. Not available for IRA's; Apply now
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 1 Year
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Smart Growth CD Rate 12 Month
$100
3.75%
▼
Rate3.69%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
1 Year Certificate
$2,000
3.75%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
12 Month CD Special
$2,500
3.70%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
FNB of Hope
Institution Rating:
D3.4 ★Texas Ratio: 34.15%
IRA Certificate of Deposits 12-Month Variable
$500
3.68%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 12 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
12-Month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates 12 Month
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 12 month term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
12 Month Share Certificate
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
1 Year Certificate
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
1 year Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
12-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12-month CD
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12-Month CD Special
$2,500
3.51%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank CD Specials are available as a limited time offer. $2,500 minimum balance required, other restrictions apply.
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
1 Year Add-On Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 1 Year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 12 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
Midwest Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12 Months CD Options
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1 Year Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
12 Month Share Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
1 Year Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 12 Month
$10,000
3.36%
▼
Rate3.32%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$1,000
3.28%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
1 Year Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 12 Months
$0
3.07%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
12 months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Share Certificates 12 months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 18 Month
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Save more when you move at least $500 from another financial institution.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
IRA - 18 Month CD
$1,000
3.73%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
18 Month Variable IRA Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month (Jumbo) Certificate of Deposit
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month Variable Rate IRA
$0
3.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1.5 Year Share CD or IRA CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
18 Month Share Certificate
$0
3.57%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
18 Month Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 18 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
18-Month CD
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 18 Month
$10,000
3.36%
▼
Rate3.32%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$1,000
3.30%
▼
Rate3.27%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Halstead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
IRA INVESTMENT ACCOUNTS 18-Month Fixed Rate Account
$250
3.15%
▼
Rate3.10%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
18 Month Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$500
3.13%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 18 Months
$0
3.12%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificate of Deposit - IRA 18 Month
$50
3.03%
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
18 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
18 Month Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 months Certificate
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
18 Month CD
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Month CD
$1,000
2.70%
▼
Rate2.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Certificates of Deposit 18-month
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
18 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
18 months Share Certificate
$0
2.60%
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
18 Month Variable CD/IRA
$100
2.55%
▼
Rate2.52%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Fees may reduce earnings.
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Months Certificate
$1,000
2.50%
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $9,999 18 months
$0
2.32%
▼
Rate2.31%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18 months Share Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas Teachers Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
18 Month Certificate of Deposit
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months IRA
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
18 Months Certificate
$1,000
2.07%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 18 Month
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Campus Credit Union
Institution Rating:
B4.7 ★Texas Ratio: 19.23%
18 month IRA Certificates
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000 minimum deposit on all terms
Lyons Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
IRA - 18 Month Variable
$0
1.96%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 18 Month
$0
1.95%
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD
$500
4.16%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Penalty for early withdrawal
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 2 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
24 Month CD Special
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month (Jumbo) Certificate of Deposit
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 24 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
2 Year Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
2 Year Certificate
$2,000
3.50%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates 24 Month
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 24 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 24 Month
$10,000
3.36%
▼
Rate3.32%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
24 Month CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 2 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 2 Year
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
2 Year Share CD or IRA CD
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 24 Months
$0
3.22%
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24-Month Certificate of Deposit
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 24 month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
24 Month Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
2 Year Certificate
$100
3.04%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 24 month
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
2 Year Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
2 Years Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
2 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
2 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
2 Year Share/IRA Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
24 months Certificate
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Certificates of Deposit 24-month
$1,000
2.90%
▼
Rate2.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
24 Month Certificate
$1,000
2.81%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
IRA CDs 2 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
24 months Share Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 24 Months
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
24 Months Certificate
$1,000
2.65%
▼
Rate2.63%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
Share Certificates 24 months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $9,999 2 years
$0
2.51%
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 3 Year
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
Companion CD Accounts 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month (Jumbo) Certificate of Deposit
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Exchange Bank (NE)
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
36 Month CD Special
$2,500
3.60%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
In select markets only. The annual percentage yield is accurate as of date of publication. The minimum deposit $2,500.00. Offer may expire without notice. Penalty assessed for early withdrawal-fees could reduce the earnings on the account. No minimum to earn APY.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificate of Deposit - IRA 3 Year
$50
3.55%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Year Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 36 month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
36 Month CD
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 3 Year
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates 36 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
3 Year Share CD or IRA CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 36 Month
$10,000
3.26%
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
36 Month Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
3 Year Certificate
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
3 Year Share/IRA Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 36 month term
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 3 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
36-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
36 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
36 months Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
36 Months Certificate
$1,000
3.00%
▼
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
3 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
3 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
36 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 36 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.86%
3 Years Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
3 Year Certificate
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
IRA CDs 3 year
$1,000
2.77%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
36 Month Certificate
$1,000
2.77%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.72%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.67%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
36 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
3 Year Certificate of Deposit
$500
2.62%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Haviland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate of Deposit
$500
2.62%
▼
Rate2.60%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $9,999 3 years
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 36 Month
$0
2.45%
▼
Rate2.43%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
IRA, Traditional IRA, Roth IRA t 36 Months
$0
2.40%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
48 Month Adjustable Rate IRA Certificates of Deposit (CDs)
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 4 Year
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 48 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month (Jumbo) Certificate of Deposit
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
48 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
4 Year Share CD or IRA CD
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
48 Month CD
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 48 Month
$10,000
3.26%
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 4 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
4 Year Certificate * (with Rate Protection)
$2,000
3.25%
▼
Rate3.21%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
4 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
48-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank in Fredonia
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
48 Month Fixed CD
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank Olsburg, KS
Institution Rating:
A-4.9 ★Texas Ratio: 16.38%
4 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Union State Bank of Everest
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
4 year Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
48 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 48 month term
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 48 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
48 Month Share Certificate
$0
2.88%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 4 Years
$0
2.86%
▼
Rate2.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
4 Year Certificate
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.71%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
48 Month Certificate
$1,000
2.65%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
48 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 48 Month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
IRA Certificates of Deposits to $9,999 4 years
$0
2.53%
▼
Rate2.51%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
48 Month CD
$1,000
2.40%
▼
Rate2.39%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit 48 Month
$500
2.36%
▼
Rate2.35%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Campus Credit Union
Institution Rating:
B4.7 ★Texas Ratio: 19.23%
48 month IRA Certificates
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000 minimum deposit on all terms
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Silver Lake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Certificates of Deposit or IRA's
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
4 years Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
48-Month CD
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Swedish-American State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.66%
48 Months Certificates of Deposit
$500
1.90%
▼
Rate1.89%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
New deposits only. Early withdrawal penalty. Personal accounts only. Minimum deposit of $500 to receive interest. Rates compounded quarterly. Certificates of Deposit must not exceed $250,000. All rates are effective January 23, 2023, and subject to change without notice. Deposits are insured to $250,000 by FDIC.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
Companion CD Accounts 60 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Certificate 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
Certificates of Deposit 5 Year
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Preferred Certificates of Deposit (CD) 60 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1.5 Year Share CD or IRA CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
60 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Certificate of Deposit - IRA 5 Year
$50
3.55%
▼
Rate3.50%
Min Deposit$50
Min Balance—
UpdatedApr 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month (Jumbo) Certificate of Deposit
$50,000
3.50%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share and IRA Certificates min. 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
5 Year** Certificate of Deposit
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Member has the option to increase rate once during the CD term. The new rate is determined by the current Meritrust deposit rate for the same term CD.
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 1.16%
5 Year Certificate
$2,000
3.50%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
60 Month Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kansas State University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Share Certificate of Deposit 5 Year
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Certificates of Deposit (CDs) 60 Month
$10,000
3.26%
▼
Rate3.22%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
$10,000+
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Term Share : 5 Years
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
5 Year Share/IRA Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
60 Month Certificate of Deposit
$500
3.03%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Academy Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
60-Month Certificate of Deposit
$500
3.03%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
Share Certificate 60 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
Share Certificate 60 Months
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates 60 Month
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
5-year minimum deposit = $5,000.00
Wheat State Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 32.05%
60 months Share Certificate
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
City National B&T Co. of Lawton, OK
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificate of Deposit 60 months and longer
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular Certificates of Deposit 5 Years
$0
2.96%
▼
Rate2.94%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
Share & IRA Certificates 60 month term
$0
2.90%
▼
Rate2.87%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Citizens State Bank Moundridge, KS
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
60 Month CD
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
5 Year Certificate
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.71%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kaw Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
60 Months High Balance Certificates of Deposits
$100,000
2.63%
▼
Rate2.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
60 Month Certificate
$1,000
2.61%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Johnson State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
CD's greater than or equal to ** 5 years
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
5 Year Senior -No Penalty Share Certificates
$1,000
2.25%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Swedish-American State Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.66%
60 Months Certificates of Deposit
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
New deposits only. Early withdrawal penalty. Personal accounts only. Minimum deposit of $500 to receive interest. Rates compounded quarterly. Certificates of Deposit must not exceed $250,000. All rates are effective January 23, 2023, and subject to change without notice. Deposits are insured to $250,000 by FDIC.
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
5 years Share Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Southwest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
5 Year Certificate of Deposit
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
60-Month CD
$0
2.00%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FNB of Hope
Institution Rating:
D3.4 ★Texas Ratio: 34.15%
60-Month CD Preferred Customer minimum
$0
1.86%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$50,000.00
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Union, KS CD Rate Trends
Compare local Union, KS CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — KS Avg
2.753%
▲ 0.047 vs 7 days ago
Kansas 12-month CD rates rose 0.047 points over the past 7 days to 2.753% APY.
6-Month CD — KS Avg
2.672%
▲ 0.028 vs 7 days ago
Kansas 6-month CD rates rose 0.028 points over the past 7 days to 2.672% APY.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
KS CD Rate Forecast — Next 12 Months
Where are Kansas CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
2.753%
6-Month Forecast
2.753%
Range: 2.55% – 2.90%
12-Month Forecast
2.503%
Range: 2.30% – 2.65%
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 | 1.761% | $88.07 | $176.13 | $440.33 | $880.65 |
| 6-Month CD | 2.672% | $133.59 | $267.18 | $667.95 | $1,335.90 |
| 12-Month CD | 2.753% | $137.63 | $275.25 | $688.13 | $1,376.25 |
| 18-Month CD | 2.705% | $135.25 | $270.50 | $676.25 | $1,352.50 |
| 24-Month CD | 2.676% | $133.81 | $267.61 | $669.03 | $1,338.05 |
| 36-Month CD | 2.747% | $137.36 | $274.71 | $686.78 | $1,373.55 |
| 48-Month CD | 2.628% | $131.41 | $262.81 | $657.03 | $1,314.05 |
| 60-Month CD | 2.755% | $137.77 | $275.54 | $688.85 | $1,377.70 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Union, 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 | 1.761% | $88.07 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.59 |
| 3 | 12-Month CD | $5,000 | 2.753% | $137.63 |
| 4 | 24-Month CD | $5,000 | 2.676% | $133.81 |
| 5 | 36-Month CD | $5,000 | 2.747% | $137.36 |
| Total ($25,000 invested) | $25,000 | 2.522% blended | $630.46/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.
109
Institutions
in Union, Kansas
in Union, Kansas
70 Banks
39 Credit Unions
About Our Union, Kansas CD Rate Database
MonitorBankRates tracks CD rates from 70 banks and 39 credit unions with locations in Union, Kansas, plus national online institutions available to Kansas residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Farmers and Merchants Bank Milligan, NE offers a CD at 4.16% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Union, Kansas.
How to Find the Best CD Rates in Union, Kansas
What to compare when shopping for a CD in Union, Kansas
To find the best APYs in Union, Kansas, start with credit unions and online-only banks — Union, Kansas has 39 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Union, 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 Union, Kansas — 109 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Union, Kansas savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Union, Kansas money market rates
Kansas Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$43,089
National avg: $47,340
Poverty Rate
11.3%
National avg: 11.1%
Unemployment Rate
3.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$119/yr
At KS 12-mo avg 2.753% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS 12-month CD average of 2.753%, saving 10% of the local median salary ($4,308/year) and putting it in a CD would earn an additional $119 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 Union, Kansas
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Union, Kansas
Are CD rates in Union, Kansas FDIC insured?
Yes, most established banks in Union, 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 Union, 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 Union, 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 Union, 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 Union, Kansas?
Here are recent top rates found for this area:
- Farmers and Merchants Bank Milligan, NE: 4.16% APY (24 Month CD)
- Carson Bank: 4.06% APY (180 Day CD)
- Omb Bank: 4.05% APY (3 Month CD)
- Mid-America Bank: 4.04% APY (60 Month CD or IRA Jumbo)
- KS StateBank: 4.00% APY (6 Month CD)
- TriCentury Bank: 4.00% APY (12 Month Special CD)
- Quantum Credit Union: 4.00% APY (12 Month CD)
- Bank of the Flint Hills: 3.91% APY (Certificates of Deposit 3 Month)
- Frontier Community Credit Union: 3.90% APY (Jumbo Certificate to open 12 Months)
- Public Safety Credit Union: 3.90% APY (1 Year Share CD or IRA CD)
Rates reflect recent verified offers available in Union, Kansas. Last Updated: April 20, 2026
CD Calculators for Union, Kansas
Union, Kansas CD Calculator
At today’s KS top rate of 4.16% APY, a $10,000 deposit earns $416 in the first year. Enter your amount to see your exact return.
Union, Kansas CD LadderKS CD rates currently range from 1.761% (3-month) to 2.747% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Union, Kansas CD at 4.16% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsKansas’s average 12-month CD is 2.753% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Union, 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 pulling data straight 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 Union, 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: April 20, 2026
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