Labette, Kansas Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Labette, Kansas savings account rates range from 1.00% to 5.25% APY, verified by MonitorBankRates as of October 12, 2026. The best savings rates for Labette, Kansas and the surrounding area include Mainstreet Federal Credit UnionMainstreet Federal Credit UnionA+5.0 ★Texas Ratio: 4.02%Real return: +2.45%APY minus 2.8% CPI (February 2026) Emergency Savings at 5.25% APY, The Bennington State BankThe Bennington State BankA+5.0 ★Texas Ratio: 1.98%Real return: +2.30%APY minus 2.8% CPI (February 2026) Round It Up Savings at 5.10% APY, First Federal Bank of Kansas CityFirst Federal Bank of Kansas CityA+5.0 ★Texas Ratio: 3.50%Real return: +2.20%APY minus 2.8% CPI (February 2026) Grow Savings Account at 5.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionA-5.0 ★Texas Ratio: 14.54%Real return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY, and CommunityAmerica Credit UnionCommunityAmerica Credit UnionReal return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY.
Labette is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Kansas area are available to Labette residents, with savings rates as high as 5.25% APY from Mainstreet Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Labette, Kansas and the surrounding area. Last Updated and Verified: October 12, 2026
Compare the Best Savings Rates in Labette, Kansas & Surrounding Communities
Balance: $0-$1,000
Save money automatically by using your BSB debit card. Interest rate may change at bank's discretion. The annual percentage yield is accurate as of September 18, 2026. No minimum balance required to obtain the advertised annual percentage yield. No minimum opening deposit. Fees could reduce earnings.
Balance: $0 - $2,499.99
Balance: $1.00 - $2,500.00
Balance: $1.00 - $2,500.00
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
- Oct 9, 20264.07%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Balance: $.01 - $500.00
Balance: $100,000 - $249,999
Balance: $1,000,000.00 +
Balance: $1,000,000.00 +**
Balance: $0 - $2,500,000
If *POS transaction requirements met: APY is 3.66% for daily balances up to $250,000. The APY ranges from 0.30% to 3.66%, depending on the account balance, for daily balances over $250,000. The 0.30% interest rate will be paid only for the portion of your daily balance that is greater than $250,000. Balance: $1 - $250,000; To Avoid Fees: If less than 18 *POS transactions post to your Elite Checking account during the monthly statement cycle: The APY is 0.30% for the entire account balance for the statement cycle.
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Balance: $500,000 - $999,999.99
Balance: $500,000 - $999,999.99**
Balance: $5MM and over
Balance: $0.01 to $50,000.00
Balance: $5,000.00 or more
Balance: $5,000.00 or more
Balance: $100,000 - $499,999.99
Balance: $100,000 - $499,999.99**
Balance: $15,000 and over
- Oct 9, 20263.04%▲ from 2.78%
- Sep 14, 20262.78%first recorded
Annual Percentage Yield (APY) as of 10-01-2025
- Oct 3, 20262.90%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99**
Balance: $25,000 - $99,999.99
Balance: $200,000.01+
Balance: $20,000 - $49,999.99
Balance: $20,000 - $49,999.99**
Balance: $100,000.01-$200,000.00
Balance: $1,000,000 and over
*Special terms and conditions apply*
Balance: $10,000 - $24,999
Balance: over $200,000
Balance: Up to $50,000
Balance: $500,000 - $999,999
Balance: On balances above $25,000 and up to $50,000
Balance: $40,000 and greater; Dividends paid quarterly
Balance: $250,000 - $499,999
Published APY range: 1.75% | 0.10%. Balance: up to $2,000 and over $2,000
Balance: $100,000 - $249,999
Balance: $50,000 and over
Balance: $15,000 to $39,999; Dividends paid quarterly
Balance: On balances up to $25,000
Balance: $100,000.00 - above
Balance: $5,000 to $14,999; Dividends paid quarterly
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: $2,500 - $9,999
Balance: $50,000.00 - $99,999.00
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.
Labette, KS Savings Rate Trends
Compare local Labette, 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 fell 0.073 points over the past 7 days to 1.713% APY, down from 1.786%.
Kansas standard savings rates rose 0.012 points over the past 7 days to 0.394% APY, up from 0.382%.
Labette, 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 1.713% 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 Labette, Kansas.
Savings Account Earnings in Labette, 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 (1.713% APY) | Monthly Earnings | Standard Savings (0.394% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $85.67 / year | $7.14 | $19.70 / year | $1.64 |
| $10,000 | $171.34 / year | $14.28 | $39.40 / year | $3.28 |
| $25,000 | $428.35 / year | $35.70 | $98.50 / year | $8.21 |
| $50,000 | $856.70 / year | $71.39 | $197.00 / year | $16.42 |
| 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: Labette, Kansas savings rate averages as of October 13, 2026. | ||||
About Our Labette, Kansas Savings Rate Database
MonitorBankRates tracks savings rate offers from 33 banks and credit unions available to Labette, Kansas residents via statewide and national offers. No branch locations physically in Labette are currently in our database, but all listed offers are open to Labette depositors. 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: Mainstreet Federal Credit Union offers a savings account at 5.25% APY. Use the rate table above to compare all current offers in Labette, Kansas.
How to Find the Best Savings Rates in Labette, Kansas
What to compare when shopping for a savings account in Labette, Kansas
To find the best savings APYs in Labette, Kansas, start with credit unions and online-only banks: Labette, Kansas has 19 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 1.713% but top local institutions are offering as high as 5.25%, so shopping around pays off.
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. Labette, Kansas high-yield savings rates currently average 1.713% 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 Labette, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 33 institutions in Labette, 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 Labette, Kansas CD rates
- You want check-writing flexibility Labette, Kansas money market rates
- You need daily transaction access Labette, 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 1.713%, saving 10% of the local median salary ($4,308/year) would earn an additional $74 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Labette, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Labette, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 1.713% | 0.394% | 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 Labette, Kansas averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Labette, Kansas
At KS’s top rate of 5.25% from Mainstreet Federal Credit Union, a $10,000 deposit earns $525 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Labette, Kansas earner is roughly $10,800. At 1.713% 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 1.713% 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 Labette, Kansas earner makes $43,089/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.713% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.713% APY grows to roughly $35,116 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 Labette, 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 Labette, 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 Labette, 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 Labette, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Labette, Kansas safe?
How often do savings rates change in Labette, 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 Labette, Kansas?
How do I open a savings account in Labette, Kansas?
Best Savings Rates in Labette, Kansas
- Mainstreet Federal Credit Union
Emergency Savings: 5.25% APY - The Bennington State Bank
Round It Up Savings: 5.10% APY - First Federal Bank of Kansas City
Grow Savings Account: 5.00% APY - UNIFY Financial Federal Credit Union
High Interest Savings: 5.00% APY - CommunityAmerica Credit Union
High Interest Savings: 5.00% APY
Labette, Kansas Rates & Resources
