Kansas CD Rates 2023

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 - June 2, 2023

1 Year CD National Average : 0.47% ^?

Advertiser Disclosure

Banks	APY	MIN	MILES ^?

Forbright Bank	5.20%	$1,000	-	Learn More on the Forbright Bank website
Start earning 5.20% APY with a high-yield CD that supports a greener economy. Easy signup. FDIC-insured.
Discover Bank	4.75%	$2,500	-	Learn More on the Discover Bank website
Guaranteed returns. No account fees. Member FDIC.
M.Y. Safra Bank	5.20%	$500	-	Learn More Reviews (6)
Merrick Bank	5.20%	$25,000	-	Learn More Reviews (1)
Warning: Early Withdrawal Penalty is 2% of the account balance.
KS StateBank	5.20%	$500	-	Learn More Reviews (3)
Ivy Bank	5.00%	$1,000	-	Learn More Reviews
Bask Bank	5.00%	$1,000	-	Learn More Reviews
Intrust Bank, National Association	5.00%	$500	-	Learn More Reviews
BMO Harris Bank National Association	5.00%	$1,000	-	Learn More Reviews (7)
First Foundation Bank	4.75%	$2,500	-	Learn More Reviews (44)
Union Bank and Trust Company	4.63%	$1,000	-	Learn More Reviews (1)
Midwest Heritage Bank, FSB	4.37%	$5,000	-	Learn More Reviews
Capital One, National Association	4.15%	$1,000	-	Learn More Reviews (13)
Citibank, National Association	4.05% 0.05%	$500 $501	-	Learn More Reviews (11)
Blue Foundry Bank	4.00%	$1,000	-	Learn More Reviews
TD Bank, National Association	3.75% 1.00%	$10,000 $10,000	-	Learn More Reviews (1)
JPMorgan Chase Bank, National Association	3.75% 3.25%	$100,000 $10,000	-	Learn More Reviews (18)
Emprise Bank	3.50%	$1,000	-	Learn More Reviews
First Federal Bank of Kansas City	2.02%	$1,000	-	Learn More Reviews
Community First Bank	2.02%	$3,000	-	Learn More Reviews
Wells Fargo Bank, National Association	2.00% 1.50%	$100,000 $25,000	-	Learn More Reviews (7)
Hingham Institution for Savings	1.65%	$1,000	-	Learn More Reviews
The Fowler State Bank	1.01%	$100,000	-	Learn More Reviews
The Baldwin State Bank	1.01%	$10,000	-	Learn More Reviews
The State Bank of Bern	1.00%	$10,000	-	Learn More Reviews
The Bendena State Bank	1.00%	$10,000	-	Learn More Reviews
The First State Bank of Healy	1.00%	$100,000	-	Learn More Reviews
Ford County State Bank	1.00%	$10,000	-	Learn More Reviews
The Farmers State Bank of Bucklin, Kansas	1.00%	$10,000	-	Learn More Reviews
The Haviland State Bank	0.96%	$10,000	-	Learn More Reviews
Impact Bank	0.95%	$10,000	-	Learn More Reviews
The First National Bank of Sedan	0.95%	$10,000	-	Learn More Reviews
Mid-America Bank	0.95%	$10,000	-	Learn More Reviews
The Stock Exchange Bank, Caldwell, Kansas	0.95%	$10,000	-	Learn More Reviews
First Commerce Bank	0.90%	$10,000	-	Learn More Reviews
The Fowler State Bank	0.90%	$10,000	-	Learn More Reviews
New Century Bank	0.90%	$10,000	-	Learn More Reviews
The First State Bank of Healy	0.90%	$10,000	-	Learn More Reviews
Flint Hills Bank	0.90%	$100,000	-	Learn More Reviews
Kaw Valley State Bank	0.90%	$10,000	-	Learn More Reviews
Garden Plain State Bank	0.87%	$10,000	-	Learn More Reviews
Bank 7	0.85%	$1,000	-	Learn More Reviews (1)
Farmers Bank & Trust	0.85%	$100,000	-	Learn More Reviews
The Security State Bank	0.85%	$10,000	-	Learn More Reviews
Heritage Bank	0.81%	$10,000	-	Learn More Reviews
The Citizens State Bank of Cheney, Kansas	0.80%	$10,000	-	Learn More Reviews
Capitol Federal Savings Bank	0.80%	$10,000	-	Learn More Reviews (1)
Community National Bank	0.80%	$100,000	-	Learn More Reviews
Bank of Denton	0.80%	$10,000	-	Learn More Reviews
Flint Hills Bank	0.80%	$10,000	-	Learn More Reviews
Patriots Bank	0.80%	$500	-	Learn More Reviews
Marquette Farmers State Bank of Marquette	0.80%	$10,000	-	Learn More Reviews
The Halstead Bank	0.80%	$10,000	-	Learn More Reviews
Union State Bank	0.80%	$10,000	-	Learn More Reviews
Farmers Bank & Trust	0.75%	$10,000	-	Learn More Reviews
First National Bank of Kansas	0.75%	$10,000	-	Learn More Reviews
Chisholm Trail State Bank	0.75%	$1,000	-	Learn More Reviews
NINNESCAH VALLEY BANK	0.75%	$100,000	-	Learn More Reviews
Farmers and Merchants Bank	0.75%	$500	-	Learn More Reviews
Swedish-American State Bank	0.75%	$10,000	-	Learn More Reviews
The Farmers State Bank of Westmoreland	0.75%	$10,000	-	Learn More Reviews
ESB Financial	0.75%	$10,000	-	Learn More Reviews
The First National Bank in Cimarron	0.75%	$100,000	-	Learn More Reviews
First FarmBank	0.75%	$10,000	-	Learn More Reviews
The Bank of Protection	0.75%	$10,000	-	Learn More Reviews
Peoples Bank	0.75%	$100,000	-	Learn More Reviews
Prairie Bank of Kansas	0.75%	$10,000	-	Learn More Reviews
The Farmers State Bank	0.75%	$500	-	Learn More Reviews
Alliance Bank	0.75%	$10,000	-	Learn More Reviews
CrossFirst Bank	0.75%	$10,000	-	Learn More Reviews (1)
The State Bank of Canton, Canton, Kansas	0.75%	$10,000	-	Learn More Reviews
Legacy Bank	0.75%	$10,000	-	Learn More Reviews
The Walton State Bank	0.75%	$10,000	-	Learn More Reviews (1)
Southwest National Bank	0.75%	$10,000	-	Learn More Reviews
The Howard State Bank, Howard, Kansas	0.75%	$10,000	-	Learn More Reviews
SJN Bank of Kansas	0.70%	$50	-	Learn More Reviews
Peoples Bank	0.70%	$10,000	-	Learn More Reviews
Country Club Bank	0.70%	$50,000	-	Learn More Reviews (1)
Mutual Savings Association	0.70%	$10,000	-	Learn More Reviews
ESB Financial	0.70%	$10,000	-	Learn More Reviews
The Lyon County State Bank	0.70%	$500	-	Learn More Reviews
The Citizens State Bank	0.69%	$100,000	-	Learn More Reviews
Citizens Bank	0.65%	$500	-	Learn More Reviews
The Fidelity State Bank and Trust Company	0.65%	$100,000	-	Learn More Reviews
The First National Bank of Spearville	0.65%	$100,000	-	Learn More Reviews
The Citizens State Bank	0.65%	$1,000	-	Learn More Reviews
NINNESCAH VALLEY BANK	0.65%	$10,000	-	Learn More Reviews
Lyons Federal Bank	0.65%	$100,000	-	Learn More Reviews
The Stockgrowers State Bank of Ashland, Kansas	0.65%	$100,000	-	Learn More Reviews
Security State Bank	0.65%	$1,000	-	Learn More Reviews
Johnson State Bank	0.65%	$100,000	-	Learn More Reviews
Exchange Bank	0.65%	$10,000	-	Learn More Reviews
Kaw Valley Bank	0.65%	$100,000	-	Learn More Reviews
Fidelity Bank, National Association	0.65%	$10,000	-	Learn More Reviews
Bank of Greeley	0.65%	$3,000	-	Learn More Reviews
Bank of Hays	0.60%	$1,000	-	Learn More Reviews
The Western State Bank	0.60%	$50,000	-	Learn More Reviews
Farmers and Drovers Bank	0.60%	$10,000	-	Learn More Reviews
The Union State Bank of Everest	0.60%	$1,000	-	Learn More Reviews
Country Club Bank	0.60%	$10,000	-	Learn More Reviews (1)
SOLUTIONS NORTH BANK	0.60%	$1,000	-	Learn More Reviews
Lyons Federal Bank	0.60%	$10,000	-	Learn More Reviews
State Bank of Downs	0.60%	$10,000	-	Learn More Reviews
Farmers State Bank	0.60%	$10,000	-	Learn More Reviews
Elk State Bank	0.60%	$100,000	-	Learn More Reviews
Sunflower Bank, National Association	0.60%	$100,000	-	Learn More Reviews (1)
Citizens Federal Savings Bank	0.60%	$10,000	-	Learn More Reviews
The Farmers State Bank	0.60%	$10,000	-	Learn More Reviews
The First State Bank	0.60%	$10,000	-	Learn More Reviews
Farmers Bank & Trust	0.60%	$10,000	-	Learn More Reviews
The First State Bank of Ransom	0.60%	$10,000	-	Learn More Reviews
Peoples Bank and Trust Company	0.60%	$10,000	-	Learn More Reviews
The Kansas State Bank Overbrook Kansas	0.60%	$10,000	-	Learn More Reviews
Labette Bank	0.60%	$10,000	-	Learn More Reviews
Academy Bank, National Association	0.60%	$10,000	-	Learn More Reviews (5)
Bank of Commerce and Trust Company	0.60%	$1,000	-	Learn More Reviews
BancCentral, National Association	0.60%	$100,000	-	Learn More Reviews
Home Bank and Trust Company	0.60%	$10,000	-	Learn More Reviews
Community Bank of Wichita, Inc.	0.60%	$10,000	-	Learn More Reviews
The Bank of Tescott	0.59%	$10,000	-	Learn More Reviews
The Citizens State Bank	0.59%	$10,000	-	Learn More Reviews
The Fidelity State Bank and Trust Company	0.55%	$10,000	-	Learn More Reviews
Sunflower Bank, National Association	0.55%	$10,000	-	Learn More Reviews (1)
Adams Bank & Trust	0.55%	$10,000	-	Learn More Reviews
The Citizens State Bank	0.55%	$50,000	-	Learn More Reviews
The Denison State Bank	0.55%	$10,000	-	Learn More Reviews
The Citizens National Bank	0.55%	$10,000	-	Learn More Reviews
The First National Bank in Cimarron	0.55%	$10,000	-	Learn More Reviews
Heartland Tri-State Bank	0.55%	$500	-	Learn More Reviews
Centera Bank	0.55%	$100,000	-	Learn More Reviews
The Community Bank	0.55%	$100,000	-	Learn More Reviews
Andover State Bank	0.55%	$10,000	-	Learn More Reviews
The Bennington State Bank	0.53%	$10,000	-	Learn More Reviews
USAA Federal Savings Bank	0.50%	$1,000	-	Learn More Reviews (2)
Argentine Federal Savings	0.50%	$1,000	-	Learn More Reviews
The City State Bank	0.50%	$10,000	-	Learn More Reviews
The First National Bank of Spearville	0.50%	$1,000	-	Learn More Reviews
The Citizens State Bank	0.50%	$10,000	-	Learn More Reviews
Southwind Bank	0.50%	$100	-	Learn More Reviews
Golden Belt Bank, FSA	0.50%	$10,000	-	Learn More Reviews
Citizens State Bank and Trust Co., Ellsworth, Kansas	0.50%	$500	-	Learn More Reviews
First State Bank and Trust	0.50%	$10,000	-	Learn More Reviews
Great American Bank	0.50%	$1,000	-	Learn More Reviews
The Farmers State Bank	0.50%	$50,000	-	Learn More Reviews
Kanza Bank	0.50%	$10,000	-	Learn More Reviews
The Stockgrowers State Bank of Ashland, Kansas	0.50%	$10,000	-	Learn More Reviews
The State Exchange Bank	0.50%	$10,000	-	Learn More Reviews
The Wilson State Bank	0.50%	$1,000	-	Learn More Reviews
The Plains State Bank	0.50%	$10,000	-	Learn More Reviews
TBK BANK, SSB	0.50%	$10,000	-	Learn More Reviews (2)
Centera Bank	0.50%	$10,000	-	Learn More Reviews
The Valley State Bank	0.50%	$10,000	-	Learn More Reviews
The First National Bank of Syracuse	0.50%	$100,000	-	Learn More Reviews
Johnson State Bank	0.50%	$10,000	-	Learn More Reviews
The First Security Bank	0.50%	$10,000	-	Learn More Reviews
CoreFirst Bank & Trust	0.50%	$10,000	-	Learn More Reviews
Kaw Valley Bank	0.50%	$10,000	-	Learn More Reviews
NBKC Bank	0.50%	$1	-	Learn More Reviews
Vintage Bank Kansas	0.50%	$100,000	-	Learn More Reviews
BancCentral, National Association	0.50%	$10,000	-	Learn More Reviews
Alva State Bank & Trust Company	0.50%	$100,000	-	Learn More Reviews
The City National Bank and Trust Company of Lawton, Oklahoma	0.50%	$10,000	-	Learn More Reviews
The Piqua State Bank	0.50%	$10,000	-	Learn More Reviews
GNBank, National Association	0.45%	$10,000	-	Learn More Reviews
Community National Bank & Trust	0.45%	$1,000	-	Learn More Reviews
The First National Bank of Dighton	0.45%	$2,500	-	Learn More Reviews
The Western State Bank	0.45%	$5,000	-	Learn More Reviews
Carson Bank	0.45%	$50,000	-	Learn More Reviews
KansasLand Bank	0.45%	$500	-	Learn More Reviews
Farmers & Merchants Bank of Colby	0.45%	$10,000	-	Learn More Reviews
United Bank & Trust	0.45%	$10,000	-	Learn More Reviews
The Citizens State Bank	0.45%	$1,000	-	Learn More Reviews
First Heritage Bank	0.45%	$100,000	-	Learn More Reviews
Community National Bank	0.45%	$10,000	-	Learn More Reviews
The Kearny County Bank	0.45%	$50,000	-	Learn More Reviews
The Community Bank	0.45%	$10,000	-	Learn More Reviews
The Lyndon State Bank	0.45%	$10,000	-	Learn More Reviews
Goppert State Service Bank	0.45%	$10,000	-	Learn More Reviews
The Riley State Bank of Riley, Kansas	0.40%	$500	-	Learn More Reviews
The Gorham State Bank	0.40%	$10,000	-	Learn More Reviews
Carson Bank	0.40%	$500	-	Learn More Reviews
Union State Bank	0.40%	$10,000	-	Learn More Reviews
The Kansas State Bank	0.40%	$500	-	Learn More Reviews
The Farmers State Bank	0.40%	$500	-	Learn More Reviews
Farmers National Bank	0.40%	$10,000	-	Learn More Reviews
First National Bank and Trust	0.40%	$10,000	-	Learn More Reviews
Elk State Bank	0.40%	$10,000	-	Learn More Reviews
Union State Bank	0.40%	$10,000	-	Learn More Reviews
The First National Bank of Scott City	0.40%	$250	-	Learn More Reviews
The First National Bank of Syracuse	0.40%	$10,000	-	Learn More Reviews
RCB Bank	0.40%	$10,000	-	Learn More Reviews (1)
The First National Bank of Louisburg	0.40%	$500	-	Learn More Reviews
Prescott State Bank	0.40%	$10,000	-	Learn More Reviews
Alva State Bank & Trust Company	0.40%	$10,000	-	Learn More Reviews
The Exchange State Bank of St. Paul, Kansas	0.40%	$10,000	-	Learn More Reviews
Grant County Bank	0.39%	$100,000	-	Learn More Reviews
Security Bank of Kansas City	0.35%	$10,000	-	Learn More Reviews (1)
Vintage Bank Kansas	0.35%	$10,000	-	Learn More Reviews
First Bank	0.35%	$500	-	Learn More Reviews
Farmers and Merchants Bank of Mound City, Kansas	0.35%	$1,000	-	Learn More Reviews
The Farmers State Bank of Oakley, Kansas	0.35%	$50,000	-	Learn More Reviews
The First National Bank of Hope	0.35%	$100,000	-	Learn More Reviews
The Citizens National Bank	0.35%	$10,000	-	Learn More Reviews
FNB Washington	0.35%	$10,000	-	Learn More Reviews
First Heritage Bank	0.35%	$10,000	-	Learn More Reviews
First Bank Kansas	0.35%	$10,000	-	Learn More Reviews
The Kearny County Bank	0.35%	$10,000	-	Learn More Reviews
Arvest Bank	0.35%	$100,000	-	Learn More Reviews
The State Bank of Spring Hill	0.35%	$10,000	-	Learn More Reviews
TriCentury Bank	0.35%	$10,000	-	Learn More Reviews (2)
Grant County Bank	0.34%	$1	-	Learn More Reviews
Liberty Bank and Trust Company	0.31%	$10,000	-	Learn More Reviews
Peoples State Bank	0.31%	$10,000	-	Learn More Reviews (2)
New Century Bank	0.30%	$10,000	-	Learn More Reviews
American Bank of Baxter Springs	0.30%	$1,000	-	Learn More Reviews
The Farmers State Bank	0.30%	$10,000	-	Learn More Reviews
Landmark National Bank	0.30%	$10,000	-	Learn More Reviews
The Farmers State Bank of Oakley, Kansas	0.30%	$10,000	-	Learn More Reviews
UMB Bank, National Association	0.30%	$10,000	-	Learn More Reviews (2)
The First National Bank of Hope	0.30%	$10,000	-	Learn More Reviews
Armed Forces Bank, National Association	0.30%	$10,000	-	Learn More Reviews (2)
The Farmers State Bank of Blue Mound	0.30%	$10,000	-	Learn More Reviews
The Citizens National Bank	0.30%	$10,000	-	Learn More Reviews
The Farmers State Bank	0.30%	$10,000	-	Learn More Reviews
NBH Bank	0.30%	$10,000	-	Learn More Reviews
Great Southern Bank	0.30%	$250	-	Learn More Reviews
Enterprise Bank & Trust	0.30%	$10,000	-	Learn More Reviews (1)
Bank of Labor	0.30%	$10,000	-	Learn More Reviews (1)
FirstOak Bank	0.30%	$10,000	-	Learn More Reviews
Cornerstone Bank	0.26%	$10,000	-	Learn More Reviews
Conway Bank	0.25%	$10,000	-	Learn More Reviews
Arvest Bank	0.25%	$10,000	-	Learn More Reviews
Silver Lake Bank	0.25%	$10,000	-	Learn More Reviews
The Valley State Bank	0.25%	$10,000	-	Learn More Reviews
Bank of Commerce	0.25%	$10,000	-	Learn More Reviews
The Baxter State Bank	0.25%	$10,000	-	Learn More Reviews
The First National Bank of Hutchinson	0.23%	$5,000	-	Learn More Reviews
Bank of Prairie Village	0.22%	$10,000	-	Learn More Reviews
Citizens Bank of Kansas	0.20%	$500	-	Learn More Reviews
Central National Bank	0.20%	$50,000	-	Learn More Reviews
FNB Bank	0.20%	$100,000	-	Learn More Reviews
Astra Bank	0.20%	$500	-	Learn More Reviews
Citizens State Bank and Trust Company	0.20%	$1,000	-	Learn More Reviews
The Peoples State Bank	0.20%	$10,000	-	Learn More Reviews
ANB Bank	0.20%	$10,000	-	Learn More Reviews
MUFG Union Bank, National Association	0.15%	$350	-	Learn More Reviews (3)
Equity Bank	0.15%	$1,000	-	Learn More Reviews
Central National Bank	0.15%	$10,000	-	Learn More Reviews
BANKWEST OF KANSAS	0.15%	$10,000	-	Learn More Reviews
The Alden State Bank	0.15%	$10,000	-	Learn More Reviews
Fidelity State Bank and Trust Company	0.15%	$1,000	-	Learn More Reviews
Community Bank	0.15%	$10,000	-	Learn More Reviews
The Tampa State Bank	0.15%	$10,000	-	Learn More Reviews
Commerce Bank	0.10%	$10,000	-	Learn More Reviews
BOKF, National Association	0.10%	$100,000	-	Learn More Reviews (1)
First National Bank of Omaha	0.06%	$500	-	Learn More Reviews
KeyBank National Association	0.05%	$2,500	-	Learn More Reviews (2)
U.S. Bank National Association	0.05%	$500	-	Learn More Reviews (1)
FNB Bank	0.05%	$10,000	-	Learn More Reviews
BOKF, National Association	0.05%	$10,000	-	Learn More Reviews (1)
PNC Bank, National Association	0.03%	$25,000	-	Learn More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More Reviews (6)
Bank of Blue Valley	0.01%	$10,000	-	Learn More Reviews
First-Citizens Bank & Trust Company	0.01%	$10,000	-	Learn More Reviews (3)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2023

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, please visit the FDIC website.

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