Emporia, Kansas (KS) Savings Rates - March 2026
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The savings 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.
The best savings rates for Emporia, Kansas and the surrounding area include Capitol Federal Savings BankCapitol Federal Savings Bank602 Commercial St, Emporia, KS 66801A+5.0 ★Texas Ratio: 1.06% eSavings at 3.70% APY, Credit Union of Emporia Credit UnionCredit Union of Emporia Credit Union2711 W 15TH AVE, EMPORIA, KS 66801A+5.0 ★Texas Ratio: 2.17% Maxi Shares at 2.00% APY, Community National Bank & TrustCommunity National Bank & Trust1440 Industrial Rd, Emporia, KS 66801A5.0 ★Texas Ratio: 6.71% Platinum Savings Account at 1.91% APY, ESB FinancialESB Financial801 Merchant St, Emporia, KS 66801C+4.1 ★Texas Ratio: 25.76% Savings at 0.45% APY, and CommunityAmerica Credit UnionCommunityAmerica Credit Union9777 Ridge Dr, Lenexa, KS 66219A+5.0 ★Texas Ratio: 5.94% High Interest Savings at 5.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Emporia, Kansas, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Emporia, Kansas (KS) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Emporia, Kansas and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Emporia, Kansas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
602 Commercial St, Emporia, KS 66801
eSavings
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.; Online Only
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Maxi Shares
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1440 Industrial Rd, Emporia, KS 66801
Platinum Savings Account
1.91%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Maxi Shares
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Maxi Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings, Super Hero, and Christmas Savings Accounts
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Super Hero Youth Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings, Super Hero, and Christmas Savings Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Super Hero Youth Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Super Hero Youth Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings, Super Hero, and Christmas Savings Accounts
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Special Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Maxi Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Union of Emporia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2711 W 15TH AVE, EMPORIA, KS 66801
Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings, Super Hero, and Christmas Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Super Hero Youth Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Community National Bank & Trust
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1440 Industrial Rd, Emporia, KS 66801
Platinum Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
602 Commercial St, Emporia, KS 66801
Passcard Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
602 Commercial St, Emporia, KS 66801
eSavings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
602 Commercial St, Emporia, KS 66801
Passcard Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
9777 Ridge Dr, Lenexa, KS 66219
High Interest Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 25, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Grow Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Traditions High Yield Business Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
6201 College Blvd, Overland Park, KS 66211
Kids Cash Savings
4.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
Education IRA Share Accounts
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
IRA Share Accounts Education
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
IRA Share Accounts Roth
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
IRA Share Accounts Traditional
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
Roth IRA Share Accounts
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
200 S Hersey Ave, Beloit, KS 67420
Traditional IRA Share Accounts
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6480 Sprint Pkwy Ste I, Overland Park, KS 66211 1166
Business Prosperity Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Intro rate subject to change
Communication Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
1015 SW Wanamaker Rd, Topeka, KS 66604 3806
Blue Savings for Business
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Must enroll in eStatements to receive the advertised rate. Maximum aggregate balance of $2,500,000 across Blue Savings for Business accounts per Tax ID.
FSB Mcpherson, KS
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
2074 E Kansas Ave, Mcpherson, KS 67460
Super Savings
3.66%
$50
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $100,000.00
Meritrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
11737 E 21st St N, Wichita, KS 67206 3502
Premium High-Yield Savings
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
1100 E 27th St, Hays, KS 67601
Youth Savings 1 year
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
10851 Mastin St, Overland Park, KS 66210
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Traditions High Yield Savings
3.16%
$0
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
104 S Main St, Tescott, KS 67484
Traditions High Yield Business Savings
3.16%
$0
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Premier Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6860 W 115th St, Overland Park, KS 66211 2457
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6860 W 115th St, Overland Park, KS 66211 2457
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Premier Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.73%
610 E Cloud Ave, Andover, KS 67002 8952
High Yield Savings Account
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
17000 W 119th St, Olathe, KS 66061
Online Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
w/Direct Deposit into Checking.
Truity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3400 W 6th St, Lawrence, KS 66049 3215
Business Premier Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
912 N ARCHER AVE, NORTON, KS 67654 1404
EZ Saver Savings
2.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
*Special terms and conditions apply*
United Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
912 N ARCHER AVE, NORTON, KS 67654 1404
EZ Saver Savings Account
2.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rounds up debit card transactions and share drafts (checks)
Mid Kansas Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.41%
200 W 2nd Ave, Buhler, KS 67522 2245
Advantage Savings
2.00%
$5,000
▼
Rate2.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6860 W 115th St, Overland Park, KS 66211 2457
Rainy Day Savings
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
On balances above $25,000 and up to $50,000
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
17000 W 119th St, Olathe, KS 66061
Rainy Day Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4150 Kansas Ave, Kansas City, KS 66106
High Yield Savings Account
1.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
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.
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.
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.
Emporia, KS Savings Rate Trends
Compare local Emporia, KS savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — KS Avg
1.156%
▼ 0.244 from last week
Kansas high-yield savings rates fell 0.244 points this week to 1.156% APY, down from 1.400% last week.
Standard Savings — KS Avg
0.458%
▲ 0.055 from last week
Kansas standard savings rates rose 0.055 points this week to 0.458% APY, up from 0.404% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Emporia, 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 Emporia, 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 Emporia, Kansas
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Kansas, help your money grow faster through a higher APY.
Are savings accounts in Emporia, Kansas safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Kansas up to $250,000 per depositor, per institution.
How often do savings rates change in Emporia, Kansas?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Kansas rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Emporia, Kansas may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Emporia, Kansas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Emporia, Kansas offer in-person customer service, which some customers prefer.
How do I open a savings account in Emporia, Kansas?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Emporia, Kansas
Here are recent savings rates observed in Emporia, Kansas and the surrounding area:
- Capitol Federal Savings Bank
eSavings — 3.70% APY - Credit Union of Emporia Credit Union
Maxi Shares — 2.00% APY - Community National Bank & Trust
Platinum Savings Account — 1.91% APY - ESB Financial
Savings — 0.45% APY - CommunityAmerica Credit Union
High Interest Savings — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Emporia, Kansas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
