Wichita, Kansas Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Wichita, Kansas CD rates include The Valley State BankThe Valley State Bank5310 S Broadway Ave, Wichita, KS 67216A+5.0 ★Texas Ratio: 0.93%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month CD at 4.22% APY, Capitol Federal Savings BankCapitol Federal Savings Bank8040 E Douglas Ave, Wichita, KS 67206A+5.0 ★Texas Ratio: 5.21%Real return: +1.40%APY minus CPI (February 2026) offering 48-Month CD at 4.20% APY, Central National BankCentral National Bank4838 W Central Ave, Wichita, KS 67212A+5.0 ★Texas Ratio: 0.21%Real return: +1.20%APY minus CPI (February 2026) offering 24 Month CD Special at 4.00% APY, Community Bank of WichitaCommunity Bank of Wichita11330 E 21st St N, Wichita, KS 67206A5.0 ★Texas Ratio: 7.38%Real return: +1.05%APY minus CPI (February 2026) offering 12 Month Certificate at 3.85% APY, and Garden Plain State BankGarden Plain State Bank10526 W Maple St, Wichita, KS 67209A+5.0 ★Texas Ratio: 1.94%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year at 3.80% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Wichita has 179 local institutions in our database, with CD rates as high as 4.22% APY from The Valley State Bank at 5310 S Broadway Ave, Wichita, KS 67216. 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: September 9, 2026
Compare Best CD Rates in Wichita, Kansas & the Surrounding Area
Wichita 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
3 Month Certificate
$5,000
3.56%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.57% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
3 Month Certificate
$1,000
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 0.51% above avg
Details
CD Only
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
90 Day
$1,500
0.90%
▼ 1.09% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.09% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 90 Day
$1,500
0.90%
▼ 1.09% below national avg
▼
Rate0.90%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.09% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 3 Months
$0
0.30%
▼ 1.69% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.69% below avg
Details
Dividend paid at maturity; 30-day penalty
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
3 Month (CD Only)
$0
0.30%
▼ 1.69% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.69% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
3 Month CD
$0
0.20%
▼ 1.79% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 1.79% below avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3 Month Certificate
$0
4.06%
▲ 2.07% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.07% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 3 Month
$0
4.06%
▲ 2.07% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 2.07% above avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
3 Month Certificate
$0
4.05%
▲ 2.06% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▲ 2.06% above avg
Details
Compounding: At maturity; Availability: Open Online
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Month CD
$0
3.80%
▲ 1.81% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.81% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
3 Month CD
$1,000
3.80%
▲ 1.81% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.81% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month CD
$1,000
3.60%
▲ 1.61% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.61% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
3 Month IRA CD
$1,000
3.60%
▲ 1.61% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.61% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$1,000
3.45%
▲ 1.46% above national avg
▼
Rate3.41%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 1.46% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Certificate
$500
3.25%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 1.26% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
3 Month CD
$0
2.75%
▲ 0.76% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.76% above avg
Details
Interest Compounding Frequency: ; Interest Availability: Maturity
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Certificate
$1,000
2.50%
▲ 0.51% above national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.51% above avg
Details
CNB Hugoton, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3 Months Certificate of Deposit
$500
2.37%
▲ 0.38% above national avg
▼
Rate2.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▲ 0.38% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3-Month CD
$0
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▲ 0.01% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$0
1.81%
▼ 0.18% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.18% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Month Certificate
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3-month IRA Certificate
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
FSB of St. Charles, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
IRA Certificate of Deposit - 3-month
$1,000
1.65%
▼ 0.34% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 0.34% below avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
3 Month Certificate of Deposit
$1,000
1.56%
▼ 0.43% below national avg
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.43% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$0
1.51%
▼ 0.48% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.48% below avg
Details
FSB Mcpherson, KS
Institution Rating:
A+4.9 ★Texas Ratio: 0.04%
3 month CD
$1,000
1.51%
▼ 0.48% below national avg
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.48% below avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
3-Month CD
$0
1.50%
▼ 0.49% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 0.49% below avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
90 Day CD
$250
1.31%
▼ 0.68% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▼ 0.68% below avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3 Month
$500
1.00%
▼ 0.99% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.99% below avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 3 Month
$500
1.00%
▼ 0.99% below national avg
▼
Rate0.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.99% below avg
Details
Stock Exchange Bank, Caldwell, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
90 Days
$0
0.75%
▼ 1.24% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.24% below avg
Details
CoreFirst Bank & Trust
Institution Rating:
B+4.1 ★Texas Ratio: 2.49%
3 months CD
$1,000
0.70%
▼ 1.29% below national avg
▼
Rate0.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.29% below avg
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
3-MONTH SHARE CERTIFICATE
$1,000
0.60%
▼ 1.39% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.39% below avg
Details
FirstOak Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.55%
▼ 1.44% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.44% below avg
Details
Mid Kansas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Regular 3 Month
$1,000
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.49% below avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
3 Month CD
$2,500
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.49% below avg
Details
State Bank of Canton
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$500
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.49% below avg
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
90 Day
$500
0.20%
▼ 1.79% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.79% below avg
Details
Farmers State Bank Wathena, KS
Institution Rating:
A5.0 ★Texas Ratio: 11.33%
3 Month
$500
0.20%
▼ 1.79% below national avg
▼
Rate0.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.79% below avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
13-90 Day CD
$2,500
0.20%
▼ 1.79% below national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average1.99%▼ 1.79% below avg
Details
Wichita 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
2327 N Ridge Rd, Wichita, KS 67205
6-Month CD Special
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.93% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
6 Month Certificate
$1,000
3.56%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.89% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 180 DAY CD SPECIAL
$1,500
3.55%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.88% above avg
Details
Sunflower Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
2073 N Webb Rd, Wichita, KS 67206
6-Month CD Special
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.73% above avg
Details
Limited Time CD Special
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
6 Month Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.63% above avg
Details
Home Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
10421 W Central Ave, Wichita, KS 67212
6 Month CD
$0
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.58% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
6 month
$0
3.24%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
6-month
$0
3.24%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.57% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
6-month
$0
3.04%
▲ 0.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
105 N Main St, Wichita, KS 67202
6-month CD
$500
2.70%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details
FDIC insured up to maximum amount allowed.
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
6 Month Certificate
$1,000
2.50%
▼ 0.17% below national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▼ 0.17% below avg
Details
CD
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
6 Month Certificate
$0
2.30%
▼ 0.37% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.37% below avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
180 Day CD
$0
2.02%
▼ 0.65% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 0.65% below avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
180 Day
$0
2.00%
▼ 0.67% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 0.67% below avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
6 Month Certificate
$0
2.00%
▼ 0.67% below national avg
▼
Rate1.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 0.67% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
180 Day
$50,000
1.36%
▼ 1.31% below national avg
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.31% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 180 Day
$50,000
1.36%
▼ 1.31% below national avg
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.31% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
180 Day
$1,500
1.31%
▼ 1.36% below national avg
▼
Rate1.30%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.36% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 180 Day
$1,500
1.31%
▼ 1.36% below national avg
▼
Rate1.30%
Min Deposit$1,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.36% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
6 months PROMO
$1,000
1.00%
▼ 1.67% below national avg
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.67% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
6 Month Certificate
$0
0.90%
▼ 1.77% below national avg
▼
Rate0.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▼ 1.77% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
6 Month CD
$0
0.75%
▼ 1.92% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.92% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 6 Months
$0
0.40%
▼ 2.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 2.27% below avg
Details
Dividend paid at maturity; 60-day penalty
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
6 Month Certificate
$0
0.30%
▼ 2.37% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 2.37% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
6 Month IRA
$0
0.25%
▼ 2.42% below national avg
▼
Rate0.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 2.42% below avg
Details
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Kid's Certificates 6 Month
$0
5.00%
▲ 2.33% above national avg
▼
Rate4.91%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 2.33% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month CD
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.48% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
6 Month IRA CD
$1,000
4.15%
▲ 1.48% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.48% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
6 Month
$500
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 6 Month
$500
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA Certificate
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 1.39% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
6 Month Certificate
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.39% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 6 Month
$0
4.06%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.39% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month CD
$0
3.91%
▲ 1.24% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.24% above avg
Details
NBKC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6 month Personal CD
$1,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Open Online
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Term Share : 6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.13% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
6 Month CD
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate3.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.13% above avg
Details
Adams Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
6-MONTH CD
$500
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.13% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
6 Month Certificate of Deposit
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Certificate
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
6 month
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.93% above avg
Details
Lyndon State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
6 Month CD
$2,500
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.86% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.53%
▲ 0.86% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.86% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
6 Month Certificate
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
Rates shown include all available bonuses.
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6-Month CD
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.83% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
6 Month Certificate
$500
3.47%
▲ 0.80% above national avg
▼
Rate3.43%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.80% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Certificate
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.73% above avg
Details
Wichita 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
12 Month Certificate
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.01% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
1 Year
$1,000
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.96% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
1 Year
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
12 Month CD
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 12 Months Special
$0
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Dividend paid at maturity; 90-day penalty
Union State Bank Arkansas City, KS
Institution Rating:
A+5.0 ★Texas Ratio: 1.08%
2327 N Ridge Rd, Wichita, KS 67205
12-Month CD Special
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.86% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
1 Year Certificate
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 0.86% above avg
Details
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4838 W Central Ave, Wichita, KS 67212
12 Month CD Special
$5,000
3.65%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.81% above avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
12 Month CD
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.76% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
12 Month Certificate
$1,000
3.56%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.72% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
1 year
$0
3.06%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.22% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
12 Month CD
$1,000
3.03%
▲ 0.19% above national avg
▼
Rate2.99%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.19% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
1 year
$0
2.86%
▲ 0.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.02% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
12 Month CD
$1,000
2.75%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.09% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 12 Month
$250
2.75%
▼ 0.09% below national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.09% below avg
Details
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
105 N Main St, Wichita, KS 67202
12-month CD
$500
2.70%
▼ 0.14% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.14% below avg
Details
FDIC insured up to maximum amount allowed.
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
1 Year Certificate
$1,000
2.55%
▼ 0.29% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▼ 0.29% below avg
Details
CD; Open Account Online
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
12 Month CD
$0
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▼ 0.32% below avg
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
12 Month Certificate
$0
2.30%
▼ 0.54% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 0.54% below avg
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
12 Months Skyward Saver (Add-on)
$0
2.30%
▼ 0.54% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 0.54% below avg
Details
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
IRA Certificates - 12 month
$0
1.90%
▼ 0.94% below national avg
▼
Rate1.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▼ 0.94% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
12 Month
$50,000
1.76%
▼ 1.08% below national avg
▼
Rate1.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▼ 1.08% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 12 Month
$50,000
1.76%
▼ 1.08% below national avg
▼
Rate1.75%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▼ 1.08% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
12 Month
$500
1.71%
▼ 1.13% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▼ 1.13% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 12 Month
$500
1.71%
▼ 1.13% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▼ 1.13% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
1 Year Certificate
$0
1.25%
▼ 1.59% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.84%▼ 1.59% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 12 Months
$0
0.70%
▼ 2.14% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 2.14% below avg
Details
Dividend paid at maturity; 90-day penalty
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
1 Year Certificate
$0
0.40%
▼ 2.44% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 2.44% below avg
Details
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
12 Month Youth
$50
0.40%
▼ 2.44% below national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 2.44% below avg
Details
Additions allowed to Youth Certificate
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
Pay Day Certificate - 12 Month
$100
0.40%
▼ 2.44% below national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 2.44% below avg
Details
Requires a $10.00 minimum deposit transferred into the certificate at least monthly. Most savings or checking accounts are available for transfer. Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account.
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
12 Month Certificate
$1,000
0.30%
▼ 2.54% below national avg
▼
Rate0.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▼ 2.54% below avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
1-Year IRA Certificate
$500
0.30%
▼ 2.54% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▼ 2.54% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
1 Year CD
$500
0.25%
▼ 2.59% below national avg
▼
Rate0.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▼ 2.59% below avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
12 Month Certificate
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.32% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 12 Month
$0
4.16%
▲ 1.32% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.32% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
1 Year CD or IRA
$500
4.04%
▲ 1.20% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.20% above avg
Details
Jumbo Rate
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
12 Month
$500
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.17% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 12 Month
$500
4.01%
▲ 1.17% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.17% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Certificate Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
12 Month Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.16% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate Special
$100,000
4.00%
▲ 1.16% above national avg
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.84%▲ 1.16% above avg
Details
Compounded Quarterly
Dickinson County Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
12 month CD
$0
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.16% above avg
Details
Spring CD Special
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
3.97%
▲ 1.13% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.13% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year Variable Rate
$100
3.97%
▲ 1.13% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.13% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 1 Year Variable Rate
$100
3.97%
▲ 1.13% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.13% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Year CD
$0
3.96%
▲ 1.12% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.12% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month CD
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.11% above avg
Details
Argentine Federal Savings
Institution Rating:
A5.0 ★Texas Ratio: 12.38%
12 Month IRA CD
$1,000
3.95%
▲ 1.11% above national avg
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.84%▲ 1.11% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1 Year Certificate
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.06% above avg
Details
Rates shown include all available bonuses.
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
1 Year IRA Certificate
$100
3.87%
▲ 1.03% above national avg
▼
Rate3.83%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 1.03% above avg
Details
Wichita 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
18 Month Certificate
$500
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.63% above avg
Details
FIXED RATE - Compounding Monthly
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
18 Month Certificate
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.53% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
18 Month: Add-On
$100
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.53% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
18 Month Certificate
$1,000
3.05%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.38% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
18 Month IRA Certificate
$50
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.36% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
18 Month Variable
$50
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.36% above avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
18 Month CD
$0
3.03%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.36% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
18 Month Certificate
$1,000
2.55%
▼ 0.12% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▼ 0.12% below avg
Details
CD; Open Account Online
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
18 Month Variable CD/IRA
$100
2.40%
▼ 0.27% below national avg
▼
Rate2.37%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▼ 0.27% below avg
Details
Variable CD/IRA; Additions of $100 or more are permitted.
Intrust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
105 N Main St, Wichita, KS 67202
18-month CD
$500
2.30%
▼ 0.37% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.37% below avg
Details
FDIC insured up to maximum amount allowed.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
18 Month Variable CD
$1,000
2.05%
▼ 0.62% below national avg
▼
Rate2.03%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.62% below avg
Details
Variable rate may change after the account is open.
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 18 Month Variable
$250
2.05%
▼ 0.62% below national avg
▼
Rate2.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.62% below avg
Details
Variable rate may change after the account is open.
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
IRA Certificates - 18 month
$0
1.97%
▼ 0.70% below national avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.70% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
18 Month CD
$1,000
1.65%
▼ 1.02% below national avg
▼
Rate1.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.02% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 18 Month
$250
1.65%
▼ 1.02% below national avg
▼
Rate1.64%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.02% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
18 Month Certificate
$0
1.25%
▼ 1.42% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▼ 1.42% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
18 Month CD
$0
1.10%
▼ 1.57% below national avg
▼
Rate1.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 1.57% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 18 Months
$0
0.75%
▼ 1.92% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 1.92% below avg
Details
Dividend paid quarterly; 90-day penalty
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
18 Month Certificate
$0
0.45%
▼ 2.22% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 2.22% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
18 Month Certificate
$1,000
0.35%
▼ 2.32% below national avg
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 2.32% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
18 Month IRA
$0
0.30%
▼ 2.37% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▼ 2.37% below avg
Details
Omb Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.85%
18 Month Certificate
$0
4.31%
▲ 1.64% above national avg
▼
Rate4.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.67%▲ 1.64% above avg
Details
Compounding: Quarterly; Availability: Open Online
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
4.07%
▲ 1.40% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.40% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 18 Months
$100
4.07%
▲ 1.40% above national avg
▼
Rate4.03%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.40% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
4.04%
▲ 1.37% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.37% above avg
Details
Jumbo Rate
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
18 Month IRA Certificate
$100
3.97%
▲ 1.30% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.30% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 18 Months
$100
3.97%
▲ 1.30% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.30% above avg
Details
Communication Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.51%
18 Month IRA/Share Certificate
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
18 Month CD
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.13% above avg
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Variable Rate IRA
$0
3.79%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 1.12% above avg
Details
Variable Rate
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
18 Month CD or IRA
$500
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.12% above avg
Details
Jumbo Rate: 4.00% APY: 4.04%
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 18 Month CD or IRA
$500
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.12% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$1,000
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.12% above avg
Details
American Bank of Baxter Springs
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Variable IRA
$1,000
3.79%
▲ 1.12% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 1.12% above avg
Details
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
18 Month Variable IRA
$25
3.65%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
Term: 18 Month Variable IRA; Interest Compounded: Quarterly with rates adjusted quarterly
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
18 Month CD
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.98% above avg
Details
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
IRA - 18 Month CD
$1,000
3.65%
▲ 0.98% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.98% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1.5 Year Certificate
$500
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% above avg
Details
Rates shown include all available bonuses.
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
18 Month Certificate
$500
3.56%
▲ 0.89% above national avg
▼
Rate3.52%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.89% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premier CD - 18 Months
$0
3.45%
▲ 0.78% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.78% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.45%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.78% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18-Month CD
$0
3.45%
▲ 0.78% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.78% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
18 Month CD
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.73% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Signature CD - 18 Months
$0
3.35%
▲ 0.68% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.68% above avg
Details
CSB of Cheney, KS
Institution Rating:
A5.0 ★Texas Ratio: 9.84%
18 Month CD
$500
3.35%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.68% above avg
Details
KSB Overbrook, KS
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
18 Month Certificate of Deposit
$1,000
3.29%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.62% above avg
Details
Kansas Teachers Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
18 Month Certificate
$500
3.25%
▲ 0.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
First FarmBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Certificate
$1,000
3.20%
▲ 0.53% above national avg
▼
Rate3.16%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.53% above avg
Details
Halstead Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18-Month Fixed Rate Account
$250
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.48% above avg
Details
Penalty for early withdrawal: 9 months interest
The Bank of Protection
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
18 Month Certificate of Deposit
$500
3.13%
▲ 0.46% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.67%▲ 0.46% above avg
Details
Wichita 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
4838 W Central Ave, Wichita, KS 67212
24 Month CD Special
$5,000
4.00%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 1.29% above avg
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
8040 E Douglas Ave, Wichita, KS 67206
24-Month CD
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.19% above avg
Details
Interest compounded daily and paid quarterly.
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.04% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
2 Years
$1,000
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
2 Years
$1,000
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
2 Year Certificate
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.69% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
24 Month Certificate
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.59% above avg
Details
FIXED RATE - Compounding Monthly
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
24 Month Certificate
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.54% above avg
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.38%
8535 E 21st St N, Wichita, KS 67206
24 Month Bump Special
$0
3.02%
▲ 0.31% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▲ 0.31% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
24 Month CD
$1,000
2.80%
▲ 0.09% above national avg
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.09% above avg
Details
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
24 Month Certificate
$0
2.75%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.04% above avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
2 year
$0
2.73%
▲ 0.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.02% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
24 Month CD
$1,000
2.70%
▼ 0.01% below national avg
▼
Rate2.67%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.01% below avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 24 Month
$250
2.70%
▼ 0.01% below national avg
▼
Rate2.67%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.01% below avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
2 Year Certificate
$1,000
2.60%
▼ 0.11% below national avg
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▼ 0.11% below avg
Details
CD; Open Account Online
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
IRA Certificates - 24 month
$0
2.20%
▼ 0.51% below national avg
▼
Rate2.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.51% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
24 Month CD
$0
2.02%
▼ 0.69% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.69% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
24 Month
$500
1.71%
▼ 1.00% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▼ 1.00% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 24 Month
$500
1.71%
▼ 1.00% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▼ 1.00% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
2 Year Certificate
$0
1.40%
▼ 1.31% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.71%▼ 1.31% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 24 Months
$0
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▼ 1.71% below avg
Details
Dividend paid quarterly; 120-day penalty
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
2 Year Certificate
$0
0.50%
▼ 2.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▼ 2.21% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
24 Month Certificate
$1,000
0.40%
▼ 2.31% below national avg
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▼ 2.31% below avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
24 Month - One Time Bump CD
$0
0.40%
▼ 2.31% below national avg
▼
Rate0.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▼ 2.31% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
2 Year CD
$500
0.30%
▼ 2.41% below national avg
▼
Rate0.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▼ 2.41% below avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
24 Month Certificate
$0
4.27%
▲ 1.56% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.56% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 24 Month
$0
4.27%
▲ 1.56% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.56% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.18%
▲ 1.47% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.47% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 2 Year
$100
4.18%
▲ 1.47% above national avg
▼
Rate4.14%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.47% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
2 Year IRA Certificate
$100
4.08%
▲ 1.37% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.37% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 2 Year
$100
4.08%
▲ 1.37% above national avg
▼
Rate4.04%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.37% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
4.04%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.33% above avg
Details
Jumbo Rate
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
24-Month CD
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 1.30% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Union Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
24 months
$1,000
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.19% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
2 Year CD
$0
3.83%
▲ 1.12% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.12% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
24 Month CD or IRA
$500
3.79%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.08% above avg
Details
Jumbo Rate: 4.00% APY: 4.04%
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 24 Month CD or IRA
$500
3.79%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 1.08% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
24 Month CD
$1,000
3.65%
▲ 0.94% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.94% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month Certificate
$500
3.64%
▲ 0.93% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.93% above avg
Details
Communication Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.51%
2 Year IRA/Share Certificate
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
SM Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year IRA Certificate
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.84% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
2 Year Certificate
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details
Rates shown include all available bonuses.
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
2 Year Certificate
$2,000
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.79% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
24 Month CD
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.79% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Denison State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2 year
$500
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.79% above avg
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
Premier CD - 2 Years
$0
3.40%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.69% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.64% above avg
Details
Union State Bank of Everest
Institution Rating:
A5.0 ★Texas Ratio: 8.08%
2 Year Certificate
$0
3.35%
▲ 0.64% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.71%▲ 0.64% above avg
Details
Wichita 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
36 Month Certificate
$0
3.75%
▲ 1.11% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.11% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
3 Years
$1,000
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.91% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
3 Year IRA Certificate
$50
3.55%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 0.91% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
3 Years
$1,000
3.50%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
3 Year Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 0.71% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
36 Month Certificate
$1,000
3.25%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
36 Month CD
$1,000
3.15%
▲ 0.51% above national avg
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.51% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
36 Month Certificate
$500
3.04%
▲ 0.40% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.40% above avg
Details
FIXED RATE - Compounding Monthly
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
36 Month Certificate
$0
3.00%
▲ 0.36% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
36 Month CD
$1,000
2.80%
▲ 0.16% above national avg
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.16% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 36 Month
$250
2.80%
▲ 0.16% above national avg
▼
Rate2.76%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 0.16% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
3 Year Certificate
$1,000
2.60%
▼ 0.04% below national avg
▼
Rate2.57%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▼ 0.04% below avg
Details
CD; Open Account Online
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
IRA Certificates - 36 month
$0
2.25%
▼ 0.39% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.39% below avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
3 year
$0
2.11%
▼ 0.53% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▼ 0.53% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
36 Month
$500
1.71%
▼ 0.93% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▼ 0.93% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 36 Months
$500
1.71%
▼ 0.93% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▼ 0.93% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
3 Year Certificate
$0
1.45%
▼ 1.19% below national avg
▼
Rate1.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.64%▼ 1.19% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
36 Month CD
$0
1.30%
▼ 1.34% below national avg
▼
Rate1.29%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▼ 1.34% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 36 Months
$0
1.25%
▼ 1.39% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 1.39% below avg
Details
Dividend paid annually; 180-day penalty
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
3 Year Certificate
$0
0.60%
▼ 2.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 2.04% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
36 Month Certificate
$1,000
0.45%
▼ 2.19% below national avg
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▼ 2.19% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
3 Year CD
$500
0.40%
▼ 2.24% below national avg
▼
Rate0.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▼ 2.24% below avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
36 Month Certificate
$0
4.37%
▲ 1.73% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.73% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 36 Month
$0
4.37%
▲ 1.73% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year IRA Certificate
$100
4.37%
▲ 1.73% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 3 Year
$100
4.37%
▲ 1.73% above national avg
▼
Rate4.33%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
3 Year IRA Certificate
$100
4.27%
▲ 1.63% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.63% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 3 Year
$100
4.27%
▲ 1.63% above national avg
▼
Rate4.23%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▲ 1.63% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
36 Month
$500
4.25%
▲ 1.61% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 36 Month
$500
4.25%
▲ 1.61% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.61% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36-Month CD
$0
4.15%
▲ 1.51% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.51% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
4.04%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.40% above avg
Details
Jumbo Rate
Topeka Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Certificate Special
$0
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.36% above avg
Details
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
3 Year Certificate
$2,000
4.00%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.36% above avg
Details
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
3 Year CD
$0
3.83%
▲ 1.19% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.19% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
36 Month CD or IRA
$500
3.79%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.15% above avg
Details
Jumbo Rate: 4.00% APY: 4.04%
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 36 Month CD or IRA
$500
3.79%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.15% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month CD
$0
3.65%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 1.01% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
36 Month CD
$1,000
3.65%
▲ 1.01% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.64%▲ 1.01% above avg
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month Certificate
$500
3.64%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.00% above avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
36-Month Fixed Rate
$500
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.92% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
3 Year Certificate
$500
3.50%
▲ 0.86% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.86% above avg
Details
Rates shown include all available bonuses.
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
36 month
$0
3.45%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.81% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business 36 Month
$0
3.45%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.81% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
36 Month Certificate
$0
3.45%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.81% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
36 Month Jump Rate
$0
3.45%
▲ 0.81% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.81% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month CD
$0
3.34%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.70% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Month IRA CD
$75,000
3.34%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.70% above avg
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Month
$0
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
36 Month IRA Certificate
$0
3.30%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.66% above avg
Details
Wichita 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
8040 E Douglas Ave, Wichita, KS 67206
48-Month CD
$1,000
4.20%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 1.55% above avg
Details
Interest compounded daily and paid quarterly.
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.10% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
4 Years
$1,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.90% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
4 Years
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.85% above avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
4 Year CD
$500
3.20%
▲ 0.55% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.55% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
4 Year Certificate
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.16%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 0.55% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
48 Month CD
$1,000
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.55% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
48 Month Certificate
$500
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.39% above avg
Details
FIXED RATE - Compounding Monthly
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
48 Month Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.35% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
48 Month Certificate
$1,000
2.99%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.34% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
48 Month CD
$1,000
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.10% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 48 Month
$250
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.10% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
4 Year Certificate
$1,000
2.65%
At national avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%At the average
Details
CD
Campus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4960 E 21st St N, Wichita, KS 67208
IRA Certificates - 48 month
$0
2.35%
▼ 0.30% below national avg
▼
Rate2.33%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.30% below avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
4 year
$0
1.99%
▼ 0.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.66% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
48 Month
$500
1.71%
▼ 0.94% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 0.94% below avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
Business 48 Months
$500
1.71%
▼ 0.94% below national avg
▼
Rate1.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 0.94% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
4 Year Certificate
$0
1.55%
▼ 1.10% below national avg
▼
Rate1.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▼ 1.10% below avg
Details
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
48 Month CD
$0
1.40%
▼ 1.25% below national avg
▼
Rate1.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 1.25% below avg
Details
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
4 Year Certificate
$0
0.60%
▼ 2.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 2.05% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
48 Month Certificate
$1,000
0.50%
▼ 2.15% below national avg
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 2.15% below avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
48 Month CD
$0
0.45%
▼ 2.20% below national avg
▼
Rate0.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 2.20% below avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year IRA Certificate
$100
4.42%
▲ 1.77% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.77% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 4 Year
$100
4.42%
▲ 1.77% above national avg
▼
Rate4.38%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.77% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
48 Month Certificate
$0
4.37%
▲ 1.72% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.72% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 48 Month
$0
4.37%
▲ 1.72% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.72% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4 Year IRA Certificate
$100
4.32%
▲ 1.67% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.67% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 4 Year
$100
4.32%
▲ 1.67% above national avg
▼
Rate4.28%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 1.67% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
48 Month
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.60% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 48 Month
$500
4.25%
▲ 1.60% above national avg
▼
Rate4.18%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.60% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
4.04%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.39% above avg
Details
Jumbo Rate
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
4 Year CD
$0
3.83%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.18% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
48 Month CD or IRA
$500
3.79%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.14% above avg
Details
Jumbo Rate: 4.00% APY: 4.04%
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 48 Month CD or IRA
$500
3.79%
▲ 1.14% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.14% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month CD
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.10% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Adjustable Rate IRA
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.10% above avg
Details
Term: 48 Month Adjustable Rate IRA; Interest Compounded: Quarterly
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
48 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 1.10% above avg
Details
Interest Compounded: Quarterly
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
48 Month CD
$1,000
3.65%
▲ 1.00% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.65%▲ 1.00% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48-Month CD
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.65%▲ 0.95% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
48 month
$0
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.91% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business 48 Month
$0
3.56%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.91% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
48 Month Jump Rate
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.90% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
4 Year Certificate
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.85% above avg
Details
Rates shown include all available bonuses.
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.80% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month CD
$0
3.39%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.74% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA CD
$75,000
3.39%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.74% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month CD
$0
3.33%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.68% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 Month IRA CD
$25,001
3.33%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$25,001
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.68% above avg
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
48 Month IRA Certificate
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.65% above avg
Details
White Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
Term Share : 4 Years
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.60% above avg
Details
Wichita 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
60 Month CD
$500
4.22%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.47% above avg
Details
Community Bank of Wichita
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
11330 E 21st St N, Wichita, KS 67206
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.00% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
5 Years
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.80% above avg
Details
Carson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4641 E Douglas Ave, Wichita, KS 67218
5 Year IRA Certificate
$50
3.55%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$50
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.80% above avg
Details
Garden Plain State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
10526 W Maple St, Wichita, KS 67209
5 Years
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Legacy Bank Colwich, KS
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
8725 W Central Ave, Wichita, KS 67212
5 Year Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.70% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
60 Month CD
$1,000
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.50% above avg
Details
City National B&T Co. of Lawton, OK
Institution Rating:
B4.6 ★Texas Ratio: 19.53%
3030 N Rock Rd, Wichita, KS 67226
60 Month Certificate
$500
3.04%
▲ 0.29% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.29% above avg
Details
FIXED RATE - Compounding Monthly
Skyward Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.13%
4 Cessna Blvd, Wichita, KS 67215 1423
60 Month Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.25% above avg
Details
County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
8615 W Frazier Ln, Wichita, KS 67212 3834
60 Month Certificate
$1,000
2.99%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.24% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
60 Month CD
$1,000
2.95%
▲ 0.20% above national avg
▼
Rate2.91%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.20% above avg
Details
RCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
8411 E 21st St N, Wichita, KS 67206
IRA Roth and Education Certificate - 60 Month
$250
2.95%
▲ 0.20% above national avg
▼
Rate2.91%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.20% above avg
Details
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
5 Year Certificate
$1,000
2.65%
▼ 0.10% below national avg
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▼ 0.10% below avg
Details
CD
Emprise Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
257 N Broadway Ave, Wichita, KS 67202
5 Year Variable IRA
$100
2.40%
▼ 0.35% below national avg
▼
Rate2.37%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▼ 0.35% below avg
Details
Variable IRA; Additions of $100 or more are permitted.
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
5 Year CD
$500
2.27%
▼ 0.48% below national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▼ 0.48% below avg
Details
The Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
5310 S Broadway Ave, Wichita, KS 67216
5 Year IRA
$0
2.25%
▼ 0.50% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▼ 0.50% below avg
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.29%
11122 E Central Ave, WICHITA, KS 67206 2632
5 year
$0
2.09%
▼ 0.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.66% below avg
Details
Southwest National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
400 E Douglas Ave, Wichita, KS 67202
5 Year Certificate
$0
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.75%▼ 0.75% below avg
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6300 W 21st St N, Wichita, KS 67205
IRA & SHARE CERTIFICATE (CD) RA 60 Months
$0
1.50%
▼ 1.25% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 1.25% below avg
Details
Dividend paid annually; 360-day penalty
Stryv Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6160 N Broadway Ave, Wichita, KS 67219
60 Month CD
$0
1.50%
▼ 1.25% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 1.25% below avg
Details
Citizens Bank of Kansas
Institution Rating:
A-4.2 ★Texas Ratio: 0.66%
8718 W 13th St N, Wichita, KS 67212
60 Month CD
$0
0.75%
▼ 2.00% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▼ 2.00% below avg
Details
Mid American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
8404 W Kellogg Dr, Wichita, KS 67209 1845
5 Year Certificate
$0
0.60%
▼ 2.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 2.15% below avg
Details
CATHOLIC FAMILY
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
717 N Socora St, Wichita, KS 67212 3670
60 Month Certificate
$1,000
0.55%
▼ 2.20% below national avg
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▼ 2.20% below avg
Details
FNB of Hope
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
60 Month CD
$500
5.00%
▲ 2.25% above national avg
▼
Rate5.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 2.25% above avg
Details
Preferred Customer Rate. Early Withdrawal Penalty: Less than or equal to 1 year = 60 days interest on the amount withdrawn. More than 1 year = 182 day interest on the amount withdrawn.
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year IRA Certificate
$1,000
4.48%
▲ 1.73% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 5 Year
$1,000
4.48%
▲ 1.73% above national avg
▼
Rate4.44%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.73% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
5 Year IRA Certificate
$1,000
4.38%
▲ 1.63% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.63% above avg
Details
Grant County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
IRA Certificates - 5 Year
$1,000
4.38%
▲ 1.63% above national avg
▼
Rate4.34%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.63% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
60 Month Certificate
$0
4.37%
▲ 1.62% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.62% above avg
Details
Farmers and Merchants Bank Milligan, NE
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Certificates of Deposit - 60 Month
$0
4.37%
▲ 1.62% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 1.62% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
4.04%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.29% above avg
Details
Jumbo Rate
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month CD
$0
3.85%
▲ 1.10% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.10% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
Bank of the Flint Hills
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
5 Year CD
$0
3.83%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.08% above avg
Details
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
60 Month CD or IRA
$500
3.79%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.04% above avg
Details
Jumbo Rate: 4.00% APY: 4.04%
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
Business 60 Month CD or IRA
$500
3.79%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 1.04% above avg
Details
Jumbo1: 4.00% Interest Rate, 4.04% APY
ESB Financial
Institution Rating:
A5.0 ★Texas Ratio: 13.44%
60 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 1.00% above avg
Details
Interest Compounded: Quarterly
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
60 month
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.91% above avg
Details
Azura Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
Business 60 Month
$0
3.66%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.91% above avg
Details
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
60 Month Jump Rate
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.90% above avg
Details
Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 9.50%
60 Month CD
$1,000
3.65%
▲ 0.90% above national avg
▼
Rate3.62%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 7, 2026
National Average2.75%▲ 0.90% above avg
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
60-Month CD
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.85% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.80% above avg
Details
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month IRA CD
$75,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.80% above avg
Details
United Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
60 Month Certificate
$0
3.51%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.76% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
60 Month
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
Business Certificates 60 Month
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Public Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
5 Year Certificate
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.75% above avg
Details
Rates shown include all available bonuses.
Mutual Savings Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
5 Year Certificate
$2,000
3.50%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.75% above avg
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.75%▲ 0.75% above avg
Details
Compounded Quarterly
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
60 Month CD
$0
3.44%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.69% above avg
Details
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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.
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Wichita, KS CD Rate Trends
Compare local Wichita, 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
2.840%
▲ 0.260 vs 7 days ago
Kansas 12-month CD rates rose 0.260 points over the past 7 days to 2.840% APY.
6-Month CD KS Avg
2.669%
▲ 0.109 vs 7 days ago
Kansas 6-month CD rates rose 0.109 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
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KS CD Rate Forecast, Next 12 Months
Where are Kansas CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
KS 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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What Your Savings Earn at KS CD Rates Today
Annual interest earnings at today’s Kansas average APYs. State average used where available; national average as fallback.
| CD Term | KS Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Wichita, 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 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
679
CD Rates
Tracked in Wichita, Kansas
Tracked in Wichita, Kansas
66 Banks
30 Credit Unions
About Our Wichita, Kansas CD Rate Database
MonitorBankRates tracks 679 CD rates from 66 banks and 30 credit unions with locations in Wichita, 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: The Valley State Bank offers a CD at 4.22% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Wichita, Kansas.
How to Find the Best CD Rates in Wichita, Kansas
What to compare when shopping for a CD in Wichita, Kansas
To find the best APYs in Wichita, Kansas, start with credit unions and online-only banks: Wichita, Kansas has 30 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 Wichita, 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 Wichita, Kansas: 96 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Wichita, 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 Wichita, Kansas money market rates
Wichita, Kansas Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.7%
National avg: 17.3%
Median Individual Earnings
$38,715
National avg: $47,340
Poverty Rate
15.9%
National avg: 11.1%
Unemployment Rate
5.5%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At KS 12-mo avg 2.840% APY
15.7% of residents are 65 or older, below the national average of 17.3%. At today’s KS 12-month CD average of 2.840%, saving 10% of the local median salary ($3,871/year) and putting it in a CD would earn an additional $110 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 Wichita, 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 |
How Certificates of Deposit Work in Wichita, Kansas
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Wichita, 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 Wichita, Kansas as everywhere in the U.S.
Choosing a CD Term in Wichita, Kansas
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Wichita, Kansas savers easier access to their funds. For example, Union State Bank Arkansas City, KS is offering its 6-Month CD Special at 3.60% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, The Valley State Bank is offering its 60 Month CD at 4.22% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Wichita, Kansas Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Wichita, Kansas saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Wichita, Kansas
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Wichita, Kansas CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Wichita, Kansas
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wichita, 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 Wichita, Kansas
Are CD rates in Wichita, Kansas FDIC insured?
Yes, most established banks in Wichita, 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 Wichita, 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 Wichita, 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 Wichita, 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 Wichita, Kansas?
Here are recent top rates found for this area:
- The Valley State Bank: 4.22% APY (60 Month CD)
- Capitol Federal Savings Bank: 4.20% APY (48-Month CD)
- Central National Bank: 4.00% APY (24 Month CD Special)
- Community Bank of Wichita: 3.85% APY (12 Month Certificate)
- Garden Plain State Bank: 3.80% APY (1 Year)
- Quantum Credit Union: 3.75% APY (12 Month CD)
- Union State Bank Arkansas City, KS: 3.70% APY (12-Month CD Special)
- Legacy Bank Colwich, KS: 3.70% APY (1 Year Certificate)
- Stryv Bank: 3.60% APY (12 Month CD)
- County Credit Union: 3.56% APY (12 Month Certificate)
Rates reflect recent verified offers available in Wichita, Kansas. Last Updated: September 9, 2026
Wichita, 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 Wichita, Kansas rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Wichita, Kansas
Wichita, Kansas CD Calculator
At today’s KS top rate of 4.22% APY, a $10,000 deposit earns $422 in the first year. Enter your amount to see your exact return.
Wichita, Kansas CD LadderKS CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wichita, Kansas CD at 4.22% 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 2.840% 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 Wichita, 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 Wichita, 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 Wichita, 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: September 9, 2026
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