Arkansas City, Kansas Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Arkansas City, Kansas savings account rates range from 0.03% to 5.25% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Arkansas City, Kansas and the surrounding area include Community National Bank & TrustCommunity National Bank & Trust500 N Summit St, Arkansas City, KS 67005A5.0 ★Texas Ratio: 6.38%Real return: -1.79%APY minus 3.7% CPIRate verified Oct 22, 2026 Platinum Savings Account at 1.91% APY, RCB BankRCB Bank601 N Summit St, Arkansas City, KS 67005A+5.0 ★Texas Ratio: 4.64%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Savings - Regular, Business & Kids at 0.50% APY, Ark Valley Credit UnionArk Valley Credit Union1515 N Summit St, Arkansas City, KS 67005A+5.0 ★Texas Ratio: 0.73%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 13, 2026 Children's Savings Account at 0.50% APY, Mid American Credit UnionMid American Credit Union1610 N Summit St, Arkansas City, KS 67005 3917A+5.0 ★Texas Ratio: 4.51%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 19, 2026 Preferred Youth Savings Account at 0.50% APY, and Stock Exchange Bank, Caldwell, KSStock Exchange Bank, Caldwell, KS401 N Summit St, Arkansas City, KS 67005A5.0 ★Texas Ratio: 10.16%Real return: -3.55%APY minus 3.7% CPIRate verified Oct 20, 2026 MMDA Savings at 0.15% APY.
Arkansas City has 14 local institutions in our database, with savings rates as high as 1.91% APY from Community National Bank & Trust at 500 N Summit St, Arkansas City, KS 67005. Use the table below to compare all available offers, including options from institutions serving the broader Kansas area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Arkansas City, Kansas and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Arkansas City, Kansas & Surrounding Communities
Balance: $5,000.00 to $24,999.99; Variable Rate Account: rate may change after account is opened
Minimum balance required to earn APY on Regular, Business and Kids Savings is $100.
No minimum balance required to earn dividends; Dividends paid quarterly
Balance: interest earned on balances over $250.00; Dividends paid quarterly; $5.00 fee if account is closed within 90 days of opening
Exempt from the $100 minimum balance for dividends
Balance: $500 or more
Balance: Below $5,000; Variable Rate Account: rate may change after account is opened
Minimum $2,500.00
$100 minimum balance required for dividends
Balance: $0.01 to $499.99
$100 minimum balance required for dividends
Interest will be forfeited if funds are withdrawn before statement cutoff.
$100 minimum balance required for dividends
Paid on balance over $100; dividends calculated daily, compounded and paid quarterly
Balance: $0-$1,000
Save money automatically by using your BSB debit card. Interest rate may change at bank's discretion. APY accurate as of September 18, 2026. No minimum balance required to obtain the advertised APY. No minimum opening deposit.
Balance: $0 - $2,499.99; Requires a $25 deposit to open; Account requires an active consumer checking account
Qualifications Required; Balance: $1.00 - $2,500.00; Balances up to $2,500 earn first tier APY; Dividend Rate 4.89%; Consumer accounts only; Limit one High Interest Savings or Delta Savings account per member
Effective: October 1, 2026; Dividend compounded quarterly
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Effective: October 1, 2026; Dividend compounded quarterly
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Effective: October 1, 2026; Dividend compounded quarterly
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Balance: $.01 - $500.00; In-Branch Only
Balance: $100,000 - $249,999; $25 Minimum Opening Deposit
Balance: $1,000,000.00 and over
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $0 - $2,500,000
Early withdrawal penalties apply; Business accounts must be opened by Alero Financial staff
APY 3.66% if *POS transaction requirements met for daily balances up to $250,000; Balance: $1 - $250,000; If fewer than 18 *POS transactions post to Elite Checking during the monthly statement cycle, APY is 0.30%; Restrictions:
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Requires an open Premium Perks Checking Account; $5,000.00 minimum balance to open and to earn the advertised APY
Balance: $5MM and over
- Oct 20, 20263.40%▲ from 3.25%
- Oct 14, 20263.25%first recorded
Balance: $500,000 - $999,999.99
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $0.01 to $50,000.00; Digital-only account
Balance: $5,000.00 or more; Interest compounded and credited monthly; eStatements are required
Balance: $5,000.00 or more; Interest compounded and credited monthly; e-Statements are required
Balance: $100,000 - $499,999.99
Balance: $15,000 and over
- Oct 9, 20263.04%▲ from 2.78%
- Sep 14, 20262.78%first recorded
APY as of 10-01-2025; no monthly fees or minimum balance requirements
Balance: $200,000-$1,000,000
Balance: $25,000 - $99,999.99
- Oct 20, 20262.90%▲ from 2.75%
- Sep 27, 20262.75%first recorded
Balance: $50,000 - $99,999.99
Balance: $200,000.01 and over; In Branch Only
Requires direct deposit into checking; Online Savings Rate bonus requires minimum $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account
Balance: $20,000 - $49,999.99
Balance: $100,000.01-$200,000.00; In Branch Only
Balance: $200,000-$1,000,000
Balance: $5,000 - $19,999.99
Qualifications Required; Balance: $0.00 - $20,000.00; daily balances over $20,000.00 earn 0.25% on the portion over $20,000.00 (0.71% to 2.25% APY range); requires linked Kasasa Cash account; base rate 0.05% APY if qualifications not met; Online Only
Balance: $1,000,000 and over; Savings & IRA
Balance: $0 - $4,999.99
Table column printed as APR; stored as rate
Special terms and conditions apply
Balance: All Balances
Balance: $50,000.01-$100,000.00; In Branch Only
Published APY range: 2.00% to 0.87%. Balance: $50,000.01 and over; APY depends on balance in account
Balance: $0 - $50,000
As of March 23, 2026; APY based on last declared rate
Balance: $10,000 - $24,999; $25 Minimum Opening Deposit
Balance: over $200,000
Balance: Up to $50,000.00
- Oct 14, 20262.00%▲ from 0.01%
- Sep 14, 20260.01%first recorded
Balance: $500,000 - $999,999; Savings & IRA
Balance: above $25,000 and up to $50,000
Balance: $40,000 and greater; Dividends Paid Quarterly
Balance: $250,000 - $499,999; Savings & IRA
Qualifying balance up to $2,000.00; 0.10% APY on balances over $2,000.00; funded via recurring ACH or other qualifying external funds; limited to two withdrawals per calendar year; Limit one per qualified membership
Balance: $100,000 - $249,999; Savings & IRA
Balance: $50,000.00 and over; May change after account opening
Balance: $50,000.00 and over; May change after account opening
Balance: $5,000.01-$50,000.00; In Branch Only
Open Online: Click to Open
Balance: $25,000 and over
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Arkansas City, KS Savings Rate Trends
Compare local Arkansas City, KS savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Kansas high-yield savings rates rose 0.113 points over the past 7 days to 1.954% APY, up from 1.841%.
Kansas standard savings rates fell 0.016 points over the past 7 days to 0.343% APY, down from 0.359%.
Arkansas City, Kansas Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current KS high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current KS high-yield savings average of 1.954% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Arkansas City, Kansas.
Savings Account Earnings in Arkansas City, Kansas
Annual interest earnings at current KS average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.954% APY) | Monthly Earnings | Standard Savings (0.343% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $97.68 / year | $8.14 | $17.14 / year | $1.43 |
| $10,000 | $195.37 / year | $16.28 | $34.28 / year | $2.86 |
| $25,000 | $488.42 / year | $40.70 | $85.70 / year | $7.14 |
| $50,000 | $976.85 / year | $81.40 | $171.40 / year | $14.28 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Arkansas City, Kansas savings rate averages as of October 25, 2026. | ||||
About Our Arkansas City, Kansas Savings Rate Database
MonitorBankRates found 5 institutions with branches in Arkansas City (3 banks, 2 credit unions), plus 35 additional state-chartered and national online institutions available to Arkansas City residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Community National Bank & Trust offers a savings account at 1.91% APY with a minimum deposit of $5,000. Use the rate table above to compare all current offers in Arkansas City, Kansas.
How to Find the Best Savings Rates in Arkansas City, Kansas
What to compare when shopping for a savings account in Arkansas City, Kansas
To find the best savings APYs in Arkansas City, Kansas, start with credit unions and online-only banks: Arkansas City, Kansas has 20 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current KS high-yield savings average is 1.954% Use the table above to find the best available offer.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Arkansas City, Kansas high-yield savings rates currently average 1.954% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Arkansas City, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 40 institutions in Arkansas City, Kansas report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Arkansas City, Kansas CD rates
- You want check-writing flexibility Arkansas City, Kansas money market rates
- You need daily transaction access Arkansas City, Kansas checking rates
Kansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
17.0% of residents are 65 or older, in line with the national average of 17.3%. At today’s KS high-yield savings average of 1.954%, saving 10% of the local median salary ($4,308/year) would earn an additional $84 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Arkansas City, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Arkansas City, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 1.954% | 0.343% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Arkansas City, Kansas averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Arkansas City, Kansas
At KS’s top rate of 1.91% from Community National Bank & Trust, a $10,000 deposit earns $191 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Arkansas City, Kansas earner is roughly $10,800. At 1.954% APY, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsKansas’s high-yield savings average is 1.954% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Arkansas City, Kansas earner makes $43,089/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.954% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.954% APY grows to roughly $36,813 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arkansas City, Kansas savings 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 Savings Rate Data: We aggregate savings account rates for Arkansas City, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed 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 Arkansas City, Kansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Arkansas City, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Arkansas City, Kansas safe?
How often do savings rates change in Arkansas City, Kansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Arkansas City, Kansas?
How do I open a savings account in Arkansas City, Kansas?
Best Savings Rates in Arkansas City, Kansas
- Community National Bank & Trust
Platinum Savings Account: 1.91% APY - RCB Bank
Savings - Regular, Business & Kids: 0.50% APY - Ark Valley Credit Union
Children's Savings Account: 0.50% APY - Mid American Credit Union
Preferred Youth Savings Account: 0.50% APY - Stock Exchange Bank, Caldwell, KS
MMDA Savings: 0.15% APY
Arkansas City, Kansas Rates & Resources
