You are viewing rates across Kansas


Kansas CD Rates 2016

Below are the best one year CD Rates from banks in Kansas. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

KS - December 6, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Ks Statebank 1.16% $500 -
Ks Statebank 1.15% $100,000 -
Tbk Bank, Ssb 1.05% $1,000 -
Beal Bank Usa 1.01% $1,000 -
Crossfirst Bank 1.00% $1,000 -
New Century Bank 1.00% $5,000 -
The Kearny County Bank 0.95% $50,000 -
The Kearny County Bank 0.85% $10,000 -
The First National Bank Of Hope 0.85% $50,000 -
Legacy Bank 0.85% $1,000 -
The Stockton National Bank 0.85% $10,000 -
Banccentral, National Association 0.80% $100,000 -
First National Bank Of Elkhart 0.80% $100,000 -
The Citizens State Bank Of Cheney, Kansas 0.80% $500 -
Exchange Bank 0.80% $2,500 -
The Western State Bank 0.80% $50,000 -
Liberty Bank And Trust Company 0.79% $100,000 -
The Citizens State Bank 0.79% $100,000 -
The First State Bank Of Healy 0.76% $90,000 -
The First National Bank Of Hope 0.75% $10,000 -
Millennium Bank 0.75% $500 -
The First National Bank Of Spearville 0.75% $100,000 -
Great American Bank 0.75% $1,000 -
Alterra Bank 0.75% $1,000 -
Armed Forces Bank, National Association 0.75% $500 -
Leonardville State Bank 0.75% $500 -
First National Bank Of Elkhart 0.75% $500 -
Tricentury Bank 0.75% $1,000 -
The Farmers State Bank Of Westmoreland 0.75% $1,000 -
Academy Bank, National Association 0.75% $500 -
First National Bank Of Omaha 0.71% $500 -
The State Bank Of Bern 0.70% $1,000 -
Community National Bank 0.70% $50,000 -
The Community Bank 0.70% $100,000 -
The Union State Bank 0.70% $100,000 -
The Fowler State Bank 0.70% $100,000 -
Banccentral, National Association 0.70% $500 -
Liberty Bank And Trust Company 0.68% $1 -
The First State Bank Of Healy 0.66% $1,000 -
First Federal Savings And Loan Bank 0.65% $1,000 -
Grant County Bank 0.65% $100,000 -
Bank Of Greeley 0.65% $500 -
Bank Vi 0.65% $500 -
The Farmers State Bank Of Bucklin, Kansas 0.65% $100 -
Mid-america Bank 0.65% $500 -
The Stock Exchange Bank, Caldwell, Kansas 0.65% $500 -
Impact Bank 0.65% $1,000 -
The Stockton National Bank 0.65% $1,000 -
The First National Bank Of Scott City 0.65% $20,000 -
Mutual Savings Association, Fsa 0.65% $2,000 -
Garden Plain State Bank 0.62% $1,000 -
Central National Bank 0.61% $50,000 -
Bank Of Commerce And Trust Company 0.60% $50,000 -
The Riley State Bank Of Riley, Kansas 0.60% $500 -
Bank 7 0.60% $1,000 -
The Bennington State Bank 0.60% $1,000 -
Centera Bank 0.60% $100,000 -
Farmers National Bank 0.60% $500 -
The First National Bank Of Spearville 0.60% $1,000 -
The Valley State Bank 0.60% $500 -
The Stockgrowers State Bank Of Ashland, Kansas 0.60% $100,000 -
The Community Bank 0.60% $10,000 -
Nbkc Bank 0.60% $5,000 -
State Bank Of Downs 0.60% $500 -
Grant County Bank 0.60% $1 -
Adams Bank & Trust 0.60% $10,000 -
Union State Bank 0.60% $1,000 -
The Plains State Bank 0.58% $100,000 -
Kaw Valley Bank 0.57% $100,000 -
Central National Bank 0.56% $10,000 -
Peoples Bank And Trust Company 0.55% $1,000 -
The Haviland State Bank 0.55% $500 -
The Bendena State Bank 0.55% $500 -
The First National Bank Of Scott City 0.55% $250 -
Bank Of Commerce And Trust Company 0.55% $1,000 -
Peoples State Bank 0.55% $10,000 -
The Bank Of Protection 0.55% $500 -
Esb Financial 0.55% $500 -
The Fowler State Bank 0.55% $500 -
Citizens State Bank 0.55% $1,000 -
Bank Of Denton 0.55% $1 -
The First State Bank, Kiowa, Kansas 0.55% $500 -
Johnson State Bank 0.55% $100,000 -
The Citizens State Bank 0.54% $500 -
Kaw Valley Bank 0.52% $500 -
Heritage Bank 0.51% $1,000 -
Farmers & Merchants Bank Of Colby 0.50% $1,000 -
Emerald Bank 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
The State Exchange Bank 0.50% $500 -
Johnson State Bank 0.50% $1,000 -
First Heritage Bank 0.50% $75,000 -
Centera Bank 0.50% $500 -
Rose Hill Bank 0.50% $1,000 -
Farmers And Merchants Bank Of Mound City, Kansas 0.50% $1,000 -
Andover State Bank 0.50% $1,000 -
Goppert State Service Bank 0.50% $1,000 -
Patriots Bank 0.50% $500 -
The Stockgrowers State Bank Of Ashland, Kansas 0.50% $500 -
The Farmers State Bank 0.50% $500 -
The First National Bank Of Girard 0.50% $100,000 -
The Howard State Bank, Howard, Kansas 0.50% $5,000 -
The Farmers And Merchants State Bank Of Argonia 0.50% $100,000 -
The Citizens State Bank 0.50% $50,000 -
Community National Bank 0.50% $5,000 -
The Western State Bank 0.50% $5,000 -
First National Bank And Trust 0.50% $500 -
Sjn Bank Of Kansas 0.50% $50 -
First Federal Bank Of Kansas City 0.50% $1,000 -
The Farmers Bank Of Osborne 0.50% $500 -
The Union State Bank 0.50% $1,000 -
Community National Bank & Trust 0.50% $1,000 -
Farmers State Bank 0.50% $500 -
The Denison State Bank 0.50% $500 -
Ford County State Bank 0.50% $500 -
Merit Bank 0.50% $500 -
Prairie Bank Of Kansas 0.48% $100,000 -
The Farmers State Bank 0.47% $50,000 -
The First National Bank Of Harveyville 0.45% $500 -
The Lyndon State Bank 0.45% $1,000 -
The Baldwin State Bank 0.45% $5,000 -
Enterprise Bank & Trust 0.45% $1,000 -
Community National Bank & Trust 0.45% $1,000 -
The First State Bank 0.45% $1,000 -
First National Bank In Frankfort 0.45% $500 -
The First National Bank In Cimarron 0.45% $10,000 -
The Farmers State Bank Of Oakley, Kansas 0.45% $50,000 -
Industrial State Bank 0.45% $500 -
Security Bank Of Kansas City 0.45% $500 -
The First National Bank Of Girard 0.45% $500 -
Union State Bank 0.45% $500 -
Argentine Federal Savings 0.45% $1,000 -
The Security State Bank 0.45% $10,000 -
The First National Bank Of Syracuse 0.45% $50,000 -
The Stockgrowers State Bank 0.45% $1,000 -
Bank Of Hays 0.45% $1,000 -
The Girard National Bank 0.41% $500 -
The Plains State Bank 0.41% $1,000 -
Esb Financial 0.40% $500 -
The Jamestown State Bank 0.40% $500 -
The State Bank Of Blue Rapids 0.40% $1,000 -
First Neodesha Bank 0.40% $1,000 -
Freedom Bank 0.40% $1,000 -
Southwind Bank 0.40% $100 -
American State Bank & Trust Company 0.40% $1,000 -
The Union State Bank Of Everest 0.40% $1,000 -
Citizens State Bank 0.40% $500 -
The Alden State Bank 0.40% $500 -
Swedish-american State Bank 0.40% $500 -
The Exchange State Bank Of St. Paul, Kansas 0.40% $1,000 -
Farmers Bank & Trust 0.40% $100,000 -
Farmers And Drovers Bank 0.40% $500 -
The St. Marys State Bank 0.40% $500 -
The Citizens State Bank 0.40% $1,000 -
Arvest Bank 0.40% $95,000 -
Kaw Valley State Bank 0.40% $500 -
Community Bank Of Wichita, Inc. 0.40% $500 -
Prescott State Bank 0.40% $1,000 -
The Bank Of Tescott 0.40% $10,000 -
The Farmers State Bank Of Oakley, Kansas 0.40% $10,000 -
Southwest National Bank 0.40% $500 -
The First State Bank Of Ransom 0.40% $2,500 -
Union State Bank 0.40% $500 -
Marquette Farmers State Bank Of Marquette 0.40% $1,000 -
The State Bank Of Kansas 0.40% $1 -
Community National Bank & Trust 0.40% $1,000 -
The City State Bank 0.40% $500 -
The Lyon County State Bank 0.40% $500 -
The Olpe State Bank 0.40% $500 -
Flint Hills Bank 0.40% $10,000 -
Security Bank 0.40% $500 -
The First National Bank Of Sedan 0.40% $1,000 -
Alliance Bank 0.40% $500 -
First Bank Of Newton 0.40% $500 -
Farmers Bank & Trust 0.40% $1,000 -
Elk State Bank 0.40% $10,000 -
Vintage Bank Kansas 0.40% $75,000 -
Labette Bank 0.40% $10,000 -
The Farmers State Bank 0.40% $500 -
First Heritage Bank 0.40% $2,500 -
Lyons Federal Bank 0.40% $15,000 -
The Citizens State Bank 0.40% $1,000 -
The Citizens State Bank And Trust Company 0.40% $1,000 -
New Century Bank 0.40% $5,000 -
Kansasland Bank 0.40% $500 -
The Citizens National Bank 0.40% $5,000 -
Bokf, National Association 0.40% $100,001 -
Citizens State Bank And Trust Co., Ellsworth, Kansas 0.40% $500 -
First Bank Kansas 0.40% $10,000 -
Fidelity Bank 0.37% $500 -
The Farmers State Bank 0.37% $10,000 -
Bank Of The Prairie 0.36% $500 -
Carson Bank 0.35% $50,000 -
Midwest Community Bank 0.35% $1,000 -
Community Bank Of The Midwest 0.35% $1,000 -
Commerce Bank 0.35% $10,000 -
Bank Of Commerce 0.35% $1,000 -
Gardner Bank 0.35% $500 -
Great Southern Bank 0.35% $250 -
The Peoples State Bank 0.35% $1,000 -
The State Bank Of Canton, Canton, Kansas 0.35% $500 -
United Bank & Trust 0.35% $500 -
Conway Bank, National Association 0.35% $1,000 -
Bokf, National Association 0.35% $1,000 -
The Walton State Bank 0.35% $1,000 -
Almena State Bank 0.35% $500 -
The University National Bank Of Lawrence 0.35% $500 -
Prairie Bank Of Kansas 0.35% $1,000 -
Community National Bank & Trust 0.35% $1,000 -
Lyons Federal Bank 0.35% $5,000 -
Community First Bank 0.35% $100,000 -
The Wilson State Bank 0.35% $100 -
Citizens Savings And Loan Association, Fsb 0.35% $5,000 -
Rcb Bank 0.35% $1,000 -
The First National Bank Of Syracuse 0.35% $500 -
Roxbury Bank 0.35% $10,000 -
Citizens State Bank And Trust Company 0.35% $1,000 -
Exchange Bank 0.35% $2,500 -
Farmers Bank & Trust 0.34% $10,000 -
Cornerstone Bank 0.33% $1,000 -
Central Bank And Trust Co. 0.31% $100,000 -
The Mission Bank 0.30% $1,000 -
Carson Bank 0.30% $500 -
The Tampa State Bank 0.30% $100,000 -
The Valley State Bank 0.30% $500 -
Exchange National Bank & Trust Co. 0.30% $1,000 -
Capital City Bank 0.30% $500 -
The First National Bank Of Dighton 0.30% $2,500 -
The Farmers State Bank Of Blue Mound 0.30% $1,000 -
Umb Bank, National Association 0.30% $500 -
Bank Of Labor 0.30% $1,000 -
Visionbank 0.30% $500 -
Bank Of Palmer 0.30% $500 -
Community First Bank 0.30% $3,000 -
Chisholm Trail State Bank 0.30% $1,000 -
Arvest Bank 0.30% $10,000 -
Nbh Bank 0.30% $500 -
The Kansas State Bank 0.30% $500 -
Intrust Bank, National Association 0.30% $500 -
Citizens Bank And Trust Company 0.30% $500 -
Golden Belt Bank, Fsa 0.30% $1,000 -
Kanza Bank 0.30% $1,000 -
Valley View State Bank 0.30% $500 -
Citizens Bank Of Kansas 0.30% $500 -
American Bank Of Baxter Springs 0.30% $1,000 -
The First Security Bank 0.30% $1,000 -
The Bank Of Whitewater 0.30% $500 -
Fidelity Bank 0.30% $1,000 -
The Citizens State Bank 0.30% $1,000 -
First Bank 0.30% $500 -
Union Bank And Trust Company 0.30% $25,000 -
First National Bank Of Kansas 0.30% $500 -
The City National Bank And Trust Company Of Lawton, Oklahoma 0.30% $500 -
Simmons Bank 0.30% $1,000 -
Bank Snb 0.30% $1,000 -
Towanda State Bank 0.30% $500 -
First State Bank And Trust 0.30% $500 -
The First National Bank Of Louisburg 0.30% $500 -
Pony Express Community Bank 0.29% $100,000 -
The Morrill And Janes Bank And Trust Company 0.29% $1 -
The Citizens National Bank 0.27% $5,000 -
Central Bank And Trust Co. 0.26% $1,000 -
First Option Bank 0.25% $1,000 -
Home Bank And Trust Company 0.25% $1,000 -
Security State Bank 0.25% $100 -
The Baxter State Bank 0.25% $1,000 -
Silver Lake Bank 0.25% $500 -
Commerce Bank 0.25% $10,000 -
The State Bank Of Spring Hill 0.25% $500 -
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 -
Country Club Bank 0.25% $50,000 -
Central Bank Of The Midwest 0.25% $1,000 -
The Citizens National Bank 0.25% $5,000 -
The Farmers State Bank 0.25% $1,000 -
The Farmers And Merchants State Bank Of Argonia 0.25% $10,000 -
The Midland National Bank Of Newton 0.25% $500 -
Pony Express Community Bank 0.25% $5,000 -
Vintage Bank Kansas 0.25% $500 -
Umb Bank, National Association 0.25% $500 -
Firstoak Bank 0.25% $1,000 -
Community National Bank & Trust 0.25% $1,000 -
Bank Of Blue Valley 0.25% $500 -
The First National Bank Of Hutchinson 0.22% $25,000 -
Country Club Bank 0.20% $10,000 -
Bank Of The West 0.20% $10,000 -
Landmark National Bank 0.20% $500 -
The Farmers State Bank 0.20% $1,000 -
The Halstead Bank 0.20% $1,000 -
Commerce Bank 0.20% $10,000 -
The Lyons State Bank 0.20% $500 -
The First National Bank Of Washington 0.20% $10,000 -
The Gorham State Bank 0.20% $10,000 -
Hillsboro State Bank 0.20% $1,000 -
The Citizens National Bank 0.20% $5,000 -
Great Western Bank 0.20% $25,000 -
Union Bank And Trust Company 0.20% $1,000 -
Anb Bank 0.20% $10,000 -
Community National Bank & Trust 0.19% $1,000 -
The Nekoma State Bank 0.17% $500 -
Bmo Harris Bank National Association 0.15% $5,000 -
Community Bank 0.15% $1,000 -
Great Western Bank 0.15% $10,000 -
Astra Bank 0.15% $500 -
Emprise Bank 0.15% $1,000 -
Corefirst Bank & Trust 0.15% $1,000 -
Sunflower Bank, National Association 0.13% $10,000 -
The First National Bank Of Hutchinson 0.12% $1,000 -
Fidelity State Bank And Trust Company 0.11% $500 -
The Tampa State Bank 0.10% $500 -
Equity Bank 0.10% $1,000 -
U.s. Bank National Association 0.10% $10,000 -
First National Bank 0.10% $100,000 -
Bankwest Of Kansas 0.10% $1 -
Verus Bank 0.10% $1,000 -
Bank Of America, National Association 0.07% $10,000 -
Peoples Bank 0.06% $1,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
Bank Of America, National Association 0.05% $10,000 -
First National Bank 0.02% $10,000 -

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2016

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, you visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Input the numbers

  • Max

    June 07, 2016

    The Chase rates are not correct, in fact Chase never heard of these rates, if they are correct please inform Abilene and Dallas, I could use the rate as small as it may be, but better than most, if they exist. Thanks

  • joan

    June 06, 2016

    florida community bank 1.40% -9 months good all of june 2016

  • Tammie H.

    April 19, 2016

    Hello,

    I was just wondering if the rates posted on this site were current?

    I noticed at the top it does have todays date.

    Thank you.

  • boo

    April 13, 2016

    rates suck

  • Dan

    March 14, 2016

    The local offerings are there. Just put in your zip code. Click the link that says: Change zip.

  • F Jamees

    March 14, 2016

    Where are the local offerings of 71913. They use to be for local banks, we miss them. F James

  • Larry Triemer (ltriemer@yahoo.com)

    March 02, 2016

    I stopped receiving my weekly bank rates and wanted you to resume sending them. I registered today, again, using my work e-mail and would like for you to send them to the abovementioned e=mail address.

    Thank you,

    Larry Triemer+

  • jim

    February 12, 2016

    bank of Ontario (Ontario wi) offering 1 year ira cd for 1.9%

  • mike

    February 07, 2016

    Why can banks 100 miles away offer rates 5 to 6 time higher on a one year CD , seems banks and or there management in this area simply refuse to be competitive and show no respect for the people , neighbors and area they live and work in.

  • Braun

    December 30, 2015

    @Brian. Click the tabs at the top. You can choose the rate term you want.

  • «
  • Page 1 of 3
  • 2
  • 3
  • »

Add Your Review

Rate it here →
 

Products by State