Overland Park, Kansas Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current savings account rates for Overland Park, Kansas and the surrounding area range from 2.00% to 5.00% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. The best savings rates for Overland Park, Kansas and the surrounding area include First Federal Bank of Kansas CityFirst Federal Bank of Kansas City8629 Metcalf Ave, Overland Park, KS 66212A+5.0 ★Texas Ratio: 3.90%Real return: +2.20%APY minus 2.8% CPI (February 2026) Grow Savings Account at 5.00% APY, CommunityAmerica Credit UnionCommunityAmerica Credit Union6280 W 135th St, Overland Park, KS 66223Real return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY, First Bank Creve Coeur, MOFirst Bank Creve Coeur, MO6201 College Blvd, Overland Park, KS 66211A+5.0 ★Texas Ratio: 2.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) Kids Cash Savings at 4.00% APY, CIT BankCIT Bank7850 College Blvd, Overland Park, KS 66210A5.0 ★Texas Ratio: 7.85%Real return: +0.95%APY minus 2.8% CPI (February 2026) Platinum Savings >= at 3.75% APY, and NBKC BankNBKC Bank4040 Indian Creek Parkway, Overland Park, KS 66207A5.0 ★Texas Ratio: 6.34%Real return: -0.80%APY minus 2.8% CPI (February 2026) Personal IRA Savings at 2.00% APY.
Overland Park has 75 local institutions in our database, with savings rates as high as 5.00% APY from First Federal Bank of Kansas City at 8629 Metcalf Ave, Overland Park, KS 66212. 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 Overland Park, Kansas and the surrounding area. Last Updated and Verified: September 28, 2026
Compare the Best Savings Rates in Overland Park, Kansas & Surrounding Communities
Balance: $0 - $2,499.99
Balance: $1.00 - $2,500.00
Balance: $.01 - $500.00
$5,000
All Balances
Qualifications Required: Qualifications Required; 2.00% APY* on balances up to $50,000; Qualifying balance up to $50,000.00
Qualifications Required: Kasasa Saver; Balance: $0 - $50,000; Kasasa Saver***; If monthly qualifications are not met***; 0.05% / 0.05%
Balance: $25,000.01 - $50,000
Balance: $0.00 - $25,000
Qualifications Required: Kasasa Saver; Balance: $50,001 or more; Kasasa Saver***; If monthly qualifications are not met***; 2.00% to 1.00% / 0.995%
Balance: < $25,000, but with monthly deposit of $100 or more
2.00% to 0.87% APY on balances over $50,000 depending on balance in account*
- Sep 27, 20260.87%▲ from 0.05%
- Sep 24, 20260.05%first recorded
Balance: Shares over $5,000.00
Balance: Shares to $4,999.00
Balance: < $25,000
Balance: Shares to $2,499.00
Balance: $500 or more
Balance: $1,000,000 and up
opening deposit required
Balance: $25,000+
Balance: $25,000 - and over
Balance: $0.00 - $24,999.99
Balance: $0.00 - $4,999.99
Balance: $0.00 - $250,000.00
Balance: $500,000 - $999,999
Balance: $5,000 - $24,999.99
Balance: $1,000 and over
Balance: $0 - $999.99
Balance: $0 - $24,999
All Balances
Balance: $50,000 +
Balance: $100+
Balance: $100,000 - $499,999
Balance: $1,000 - $4,999.99
Balance: $1,000+
Balance: $1,000 and over
Balance: $0.01 to $499.99
Balance: $50,000 - $99,999
opening deposit required
Balance: $0.00 and above
Balance: Up to $1,000
Balance: $0 - $999.99
Balance: $0 - $999.99
Balance: $0 - $999.99
Balance: $10,000 to $49,999
Balance: Shares to $99.00
Balance: $10,000 - $49,000
When linked to Premier Checking. Balance: $0 or more. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: Below $1,000.00
0.05% APY* if qualifications are not met in your free Kasasa checking account
Balance: $100 to $9,999
Balance: $0 - $9,999
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance over $100
Balance: $2,500.01 - or more
Balance: $1.00 - $9,999.99
Balance: $1.00 - $9,999.99
Balance: $0.00 - $9,999.99
Balance: $1.00 - $9,999.99
Balance: $1.00 - $9,999.99
Balance: $1.00 - $9,999.99
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.
Overland Park, KS Savings Rate Trends
Compare local Overland Park, 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 0.003 points over the past 7 days to 1.965% APY, down from 1.968%.
Kansas standard savings rates fell 0.002 points over the past 7 days to 0.812% APY, down from 0.814%.
Overland Park, 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 2026–2027.
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 1.965% 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 60–90 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 Overland Park, Kansas.
Savings Account Earnings in Overland Park, 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 (1.965% APY) | Monthly Earnings | Standard Savings (0.812% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.26 / year | $8.19 | $40.60 / year | $3.38 |
| $10,000 | $196.52 / year | $16.38 | $81.20 / year | $6.77 |
| $25,000 | $491.30 / year | $40.94 | $203.00 / year | $16.92 |
| $50,000 | $982.60 / year | $81.88 | $406.00 / year | $33.83 |
| 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: Overland Park, Kansas savings rate averages as of September 28, 2026. | ||||
About Our Overland Park, Kansas Savings Rate Database
MonitorBankRates found 17 institutions with branches in Overland Park (11 banks, 6 credit unions). 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: First Federal Bank of Kansas City offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in Overland Park, Kansas.
How to Find the Best Savings Rates in Overland Park, Kansas
What to compare when shopping for a savings account in Overland Park, Kansas
To find the best savings APYs in Overland Park, Kansas, start with credit unions and online-only banks: Overland Park, Kansas has 6 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 1.965% but top local institutions are offering as high as 5.00%, 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 3–6 months of expenses in a liquid, FDIC-insured account. Overland Park, Kansas high-yield savings rates currently average 1.965% APY, far above a typical checking account.
- Short-term savings goals (6–24 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 Overland Park, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 17 institutions in Overland Park, 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 → Overland Park, Kansas CD rates
- You want check-writing flexibility → Overland Park, Kansas money market rates
- You need daily transaction access → Overland Park, Kansas checking rates
Overland Park, Kansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
16.5% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s KS high-yield savings average of 1.965%, saving 10% of the local median salary ($5,959/year) would earn an additional $117 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Overland Park, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Overland Park, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 1.965% | 0.812% | 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 – $100 | $25 – $100 | $0 – $2,500 | $500 – $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 Overland Park, Kansas averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Overland Park, Kansas
At KS’s top rate of 5.00% from First Federal Bank of Kansas City, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Overland Park, Kansas earner is roughly $14,900. At 1.965% APY, saving $1,240/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 1.965% 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 Overland Park, Kansas earner makes $59,595/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.965% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.965% APY grows to roughly $36,896 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 Overland Park, 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 Overland Park, 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 Overland Park, 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 Overland Park, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Overland Park, Kansas safe?
How often do savings rates change in Overland Park, 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 Overland Park, Kansas?
How do I open a savings account in Overland Park, Kansas?
Best Savings Rates in Overland Park, Kansas
- First Federal Bank of Kansas City
Grow Savings Account: 5.00% APY - CommunityAmerica Credit Union
High Interest Savings: 5.00% APY - First Bank Creve Coeur, MO
Kids Cash Savings: 4.00% APY - CIT Bank
Platinum Savings >=: 3.75% APY - NBKC Bank
Personal IRA Savings: 2.00% APY
Overland Park, Kansas Rates & Resources
