Kansas City, Kansas (KS) Savings Rates - April 2026
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Editorial Disclosure
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 Kansas City, Kansas and the surrounding area include Mainstreet Federal Credit UnionMainstreet Federal Credit Union8451 N Madison Ave, Kansas City, MO 64155 2779A+5.0 ★Texas Ratio: 1.79% Emergency Savings at 5.25% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union6390 N Cosby Ave, Kansas City, MO 64151A+5.0 ★Texas Ratio: 5.94% High Interest Savings at 5.00% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas City711 Minnesota Ave, Kansas City, KS 66101A+5.0 ★Texas Ratio: 4.95% Grow Savings Account at 5.00% APY, Capitol Federal Savings BankCapitol Federal Savings Bank7600 State Ave, Kansas City, KS 66112A+5.0 ★Texas Ratio: 1.06% eSavings at 3.70% APY, and Unity One Credit UnionUnity One Credit Union4150 Kansas Ave, Kansas City, KS 66106A+5.0 ★Texas Ratio: 3.97% High Yield Savings Account at 1.60% APY.
Kansas City has 41 local institutions in our database, with savings rates as high as 5.25% APY from Mainstreet Federal Credit Union at 8451 N Madison Ave, Kansas City, MO 64155 2779. Use the table below to compare all available offers, including options from institutions serving the broader Kansas area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Kansas City, Kansas and the surrounding area. Last Updated and Verified: April 14, 2026
Compare the Best Savings Rates in Kansas City, Kansas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Emergency Savings
5.25%
$0
▼
Rate5.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Qualifying balance up to $1,000.00
CommunityAmerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.94%
6390 N Cosby Ave, Kansas City, MO 64151
High Interest Savings
5.00%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedApr 8, 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—
UpdatedApr 11, 2026
Details
Capitol Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
7600 State Ave, Kansas City, KS 66112
eSavings
3.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements.
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—
UpdatedApr 9, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
540 Minnesota Ave, Kansas City, KS 66101
Select Share & Up
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$50,000
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
540 Minnesota Ave, Kansas City, KS 66101
Select Share
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$25,000 - $49,999
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
540 Minnesota Ave, Kansas City, KS 66101
Select Share
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$5,000 - $24,999
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
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
0.22%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
7240 STATE AVE, KANSAS CITY, KS 66112
Share Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
First Savings Plus
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
Personal Savings
0.20%
$25
▼
Rate0.20%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
IRA Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Business Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Membership Savings/Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Share/Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO 64155 2779
Youth Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4150 Kansas Ave, Kansas City, KS 66106
Holiday Savings Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4150 Kansas Ave, Kansas City, KS 66106
IRA Savings Account
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Minor Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
Regular Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
2,4
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6390 N Cosby Ave, Kansas City, MO 64151
eSavings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
2,4
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
7240 STATE AVE, KANSAS CITY, KS 66112
Share Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4150 Kansas Ave, Kansas City, KS 66106
Primary Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
Unity One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
4150 Kansas Ave, Kansas City, KS 66106
Secondary Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
104 Sunshine Rd, Kansas City, KS 66115 1314
Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Statement Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Minor Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
First Savings Plus
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
711 Minnesota Ave, Kansas City, KS 66101
Business Statement Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
7240 STATE AVE, KANSAS CITY, KS 66112
Share Draft
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
540 Minnesota Ave, Kansas City, KS 66101
Share Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Reliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
540 Minnesota Ave, Kansas City, KS 66101
Special Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Security Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
1901 Central Ave, Kansas City, KS 66102
Health Savings Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
KC FAIRFAX
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
104 Sunshine Rd, Kansas City, KS 66115 1314
Share Loan Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details
Commerce Bank Kansas City, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
118 W 47th St, Kansas City, MO 64112
myRewards Savings
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
7240 STATE AVE, KANSAS CITY, KS 66112
Share Accounts
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Kids Cash Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $500.00
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Share Accounts Traditional
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Share Accounts Roth
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
IRA Share Accounts Education
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Education IRA Share Accounts
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Farmway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
Roth IRA Share Accounts
3.80%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $100,000.00
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Youth Savings 1 year
3.25%
$0
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Traditions High Yield Business Savings
3.16%
$0
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
The Bank of Tescott
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Traditions High Yield Savings
3.16%
$0
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Youth Savings 2 year
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Youth Savings 3-5 year
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Golden Belt Bank, FSA
Institution Rating:
A5.0 ★Texas Ratio: 6.19%
Youth Savings 5-7 year
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
TriCentury Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
High Yield Savings IRA*
2.75%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details
In Branch Only
First Bank Creve Coeur, MO
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Icon High-Yield Savings
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.; Qualifying balance up to $50,000.00
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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.
Kansas City, KS Savings Rate Trends
Compare local Kansas 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.
High-Yield Savings — KS Avg
2.553%
▲ 1.088 vs 7 days ago
Kansas high-yield savings rates rose 1.088 points over the past 7 days to 2.553% APY, up from 1.466%.
Standard Savings — KS Avg
0.996%
Unchanged vs 7 days ago
Kansas standard savings rates currently average 0.996% APY based on data from institutions in our monitoring network.
As of Apr 14, 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 Kansas 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 Kansas 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 Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, 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 Kansas City, Kansas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Kansas City, Kansas offer in-person customer service, which some customers prefer.
How do I open a savings account in Kansas City, 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 Kansas City, Kansas
Here are recent savings rates observed in Kansas City, Kansas and the surrounding area:
- Mainstreet Federal Credit Union
Emergency Savings — 5.25% APY - CommunityAmerica Credit Union
High Interest Savings — 5.00% APY - First Federal Bank of Kansas City
Grow Savings Account — 5.00% APY - Capitol Federal Savings Bank
eSavings — 3.70% APY - Unity One Credit Union
High Yield Savings Account — 1.60% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kansas City, Kansas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 14, 2026
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