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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 - September 25, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Beal Bank Usa 1.01% $1,000 -
New Century Bank 1.00% $5,000 -
Ks Statebank 1.00% $500 -
Crossfirst Bank 1.00% $1,000 -
The First National Bank Of Hope 0.85% $50,000 -
The Stockton National Bank 0.85% $10,000 -
Liberty Bank And Trust Company 0.84% $100,000 -
Exchange Bank 0.80% $2,500 -
The Citizens State Bank Of Cheney, Kansas 0.80% $500 -
The Kearny County Bank 0.80% $50,000 -
The Western State Bank 0.80% $50,000 -
First National Bank Of Elkhart 0.80% $100,000 -
The First State Bank Of Healy 0.76% $90,000 -
Alterra Bank 0.75% $1,000 -
Armed Forces Bank, National Association 0.75% $500 -
The First National Bank Of Hope 0.75% $10,000 -
The First National Bank Of Spearville 0.75% $100,000 -
The Farmers State Bank Of Westmoreland 0.75% $1,000 -
Leonardville State Bank 0.75% $500 -
Tricentury Bank 0.75% $1,000 -
Academy Bank, National Association 0.75% $500 -
First National Bank Of Elkhart 0.75% $500 -
Great American Bank 0.75% $1,000 -
Millennium Bank 0.75% $500 -
The Citizens State Bank 0.74% $100,000 -
Liberty Bank And Trust Company 0.73% $1 -
First National Bank Of Omaha 0.71% $500 -
The Union State Bank 0.70% $100,000 -
The State Bank Of Bern 0.70% $1,000 -
The Fowler State Bank 0.70% $100,000 -
The Kearny County Bank 0.70% $10,000 -
Legacy Bank 0.70% $1,000 -
Community National Bank 0.70% $50,000 -
First National Bank Of Elkhart 0.70% $100,000 -
The Community Bank 0.70% $100,000 -
The First State Bank Of Healy 0.66% $1,000 -
Banccentral, National Association 0.65% $100,000 -
The First National Bank Of Scott City 0.65% $20,000 -
The Stockton National Bank 0.65% $1,000 -
Grant County Bank 0.65% $100,000 -
The Stock Exchange Bank, Caldwell, Kansas 0.65% $500 -
Mid-america Bank 0.65% $500 -
Impact Bank 0.65% $1,000 -
Bank Vi 0.65% $500 -
Bank Of Greeley 0.65% $500 -
The Farmers State Bank Of Bucklin, Kansas 0.65% $100 -
First Federal Savings And Loan Bank 0.65% $1,000 -
Garden Plain State Bank 0.62% $1,000 -
Bank 7 0.60% $1,000 -
Farmers National Bank 0.60% $500 -
The First National Bank Of Spearville 0.60% $1,000 -
Bank Of Commerce And Trust Company 0.60% $50,000 -
State Bank Of Downs 0.60% $500 -
Grant County Bank 0.60% $1 -
The Valley State Bank 0.60% $500 -
Union State Bank 0.60% $1,000 -
The Riley State Bank Of Riley, Kansas 0.60% $500 -
The Bennington State Bank 0.60% $1,000 -
Centera Bank 0.60% $100,000 -
The Stockgrowers State Bank Of Ashland, Kansas 0.60% $100,000 -
The Plains State Bank 0.60% $100,000 -
Adams Bank & Trust 0.60% $10,000 -
Triumph Savings Bank, Ssb 0.60% $1,000 -
Mutual Savings Association, Fsa 0.60% $2,000 -
The Community Bank 0.60% $10,000 -
National Bank Of Kansas City 0.60% $5,000 -
Kaw Valley Bank 0.57% $100,000 -
Peoples Bank And Trust Company 0.55% $1,000 -
The Farmers State Bank Of Oakley, Kansas 0.55% $50,000 -
Banccentral, National Association 0.55% $500 -
The First National Bank Of Scott City 0.55% $250 -
Bank Of Commerce And Trust Company 0.55% $1,000 -
Citizens State Bank 0.55% $1,000 -
The Fowler State Bank 0.55% $500 -
Peoples State Bank 0.55% $10,000 -
Johnson State Bank 0.55% $100,000 -
The First State Bank, Kiowa, Kansas 0.55% $500 -
Esb Financial 0.55% $500 -
The Haviland State Bank 0.55% $500 -
The Bendena State Bank 0.55% $500 -
Bank Of Denton 0.55% $1 -
The Bank Of Protection 0.55% $500 -
Kaw Valley Bank 0.52% $500 -
Heritage Bank 0.51% $1,000 -
The Farmers State Bank Of Oakley, Kansas 0.50% $10,000 -
The Union State Bank 0.50% $1,000 -
First Heritage Bank 0.50% $75,000 -
The First National Bank Of Girard 0.50% $100,000 -
Merit Bank 0.50% $500 -
The Howard State Bank, Howard, Kansas 0.50% $5,000 -
Central National Bank 0.50% $5,000 -
The Farmers Bank Of Osborne 0.50% $500 -
First National Bank And Trust 0.50% $500 -
Sjn Bank Of Kansas 0.50% $50 -
Rose Hill Bank 0.50% $1,000 -
Farmers And Merchants Bank Of Mound City, Kansas 0.50% $1,000 -
The Citizens State Bank 0.50% $50,000 -
Farmers State Bank 0.50% $500 -
Peoples Bank 0.50% $10,000 -
Emerald Bank 0.50% $1,000 -
Johnson State Bank 0.50% $1,000 -
The Denison State Bank 0.50% $500 -
Andover State Bank 0.50% $1,000 -
Centera Bank 0.50% $500 -
The State Exchange Bank 0.50% $500 -
The Stockgrowers State Bank Of Ashland, Kansas 0.50% $500 -
The Farmers And Merchants State Bank Of Argonia 0.50% $100,000 -
The Western State Bank 0.50% $5,000 -
Community National Bank 0.50% $5,000 -
Community National Bank & Trust 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
Farmers & Merchants Bank Of Colby 0.50% $1,000 -
Central National Bank 0.49% $50,000 -
The Citizens State Bank 0.49% $500 -
Prairie Bank Of Kansas 0.48% $100,000 -
The Farmers State Bank 0.47% $50,000 -
The First National Bank In Cimarron 0.45% $10,000 -
First National Bank In Frankfort 0.45% $500 -
The First National Bank Of Girard 0.45% $500 -
The First National Bank Of Harveyville 0.45% $500 -
Central National Bank 0.45% $10,000 -
Security Bank Of Kansas City 0.45% $500 -
The First National Bank Of Syracuse 0.45% $50,000 -
The First State Bank 0.45% $1,000 -
The Baldwin State Bank 0.45% $5,000 -
The Lyndon State Bank 0.45% $1,000 -
The Security State Bank 0.45% $10,000 -
Union State Bank 0.45% $500 -
The Farmers State Bank 0.45% $500 -
Industrial State Bank 0.45% $500 -
The Plains State Bank 0.45% $1,000 -
The Stockgrowers State Bank 0.45% $1,000 -
Community National Bank & Trust 0.45% $1,000 -
Enterprise Bank & Trust 0.45% $1,000 -
Argentine Federal Savings 0.45% $1,000 -
The Girard National Bank 0.41% $500 -
Citizens State Bank 0.40% $500 -
The Bank Of Tescott 0.40% $10,000 -
Bank Of Kansas City, National Association 0.40% $100,001 -
First Heritage Bank 0.40% $2,500 -
Southwind Bank 0.40% $100 -
First Neodesha Bank 0.40% $1,000 -
First Bank Of Newton 0.40% $500 -
The First National Bank Of Sedan 0.40% $1,000 -
Southwest National Bank 0.40% $500 -
New Century Bank 0.40% $5,000 -
Arvest Bank 0.40% $95,000 -
Security Bank 0.40% $500 -
The State Bank Of Kansas 0.40% $1 -
Citizens State Bank And Trust Co., Ellsworth, Kansas 0.40% $500 -
Ford County State Bank 0.40% $500 -
Farmers And Drovers Bank 0.40% $500 -
Swedish-american State Bank 0.40% $500 -
Kaw Valley State Bank 0.40% $500 -
The Olpe State Bank 0.40% $500 -
Prescott State Bank 0.40% $1,000 -
Kansasland Bank 0.40% $500 -
The Citizens State Bank 0.40% $1,000 -
The Exchange State Bank Of St. Paul, Kansas 0.40% $1,000 -
The Lyon County State Bank 0.40% $500 -
The State Bank Of Blue Rapids 0.40% $1,000 -
The Citizens State Bank 0.40% $1,000 -
The Citizens State Bank And Trust Company 0.40% $1,000 -
Elk State Bank 0.40% $10,000 -
The St. Marys State Bank 0.40% $500 -
The First State Bank Of Ransom 0.40% $2,500 -
Esb Financial 0.40% $500 -
Union State Bank 0.40% $500 -
The Farmers State Bank 0.40% $500 -
Labette Bank 0.40% $10,000 -
Goppert State Service Bank 0.40% $1,000 -
The Jamestown State Bank 0.40% $500 -
The City State Bank 0.40% $500 -
Farmers Bank & Trust 0.40% $1,000 -
The Alden State Bank 0.40% $500 -
Vintage Bank Kansas 0.40% $75,000 -
The Peabody State Bank 0.40% $1 -
Marquette Farmers State Bank Of Marquette 0.40% $1,000 -
First Bank Kansas 0.40% $10,000 -
The Union State Bank Of Everest 0.40% $1,000 -
Flint Hills Bank 0.40% $10,000 -
Community National Bank & Trust 0.40% $1,000 -
Lyons Federal Bank 0.40% $15,000 -
Alliance Bank 0.40% $500 -
Community Bank Of Wichita, Inc. 0.40% $500 -
American State Bank & Trust Company 0.40% $1,000 -
Freedom Bank 0.40% $1,000 -
The Farmers State Bank 0.37% $10,000 -
Fidelity Bank 0.37% $500 -
Bank Of The Prairie 0.36% $500 -
Exchange Bank 0.35% $2,500 -
Bank Of Kansas City, National Association 0.35% $1,000 -
Community Bank Of The Midwest 0.35% $1,000 -
Conway Bank, National Association 0.35% $1,000 -
Prairie Bank Of Kansas 0.35% $1,000 -
The First National Bank Of Syracuse 0.35% $500 -
Cornerbank 0.35% $1,000 -
Citizens State Bank And Trust Company 0.35% $1,000 -
Midwest Community Bank 0.35% $1,000 -
The Wilson State Bank 0.35% $100 -
Community First Bank 0.35% $100,000 -
The State Bank Of Canton, Canton, Kansas 0.35% $500 -
Rcb Bank 0.35% $1,000 -
Almena State Bank 0.35% $500 -
The Peoples State Bank 0.35% $1,000 -
Carson Bank 0.35% $50,000 -
United Bank & Trust 0.35% $500 -
Bank Of Hays 0.35% $1,000 -
The Walton State Bank 0.35% $1,000 -
Roxbury Bank 0.35% $10,000 -
Commerce Bank 0.35% $10,000 -
Gardner Bank 0.35% $250 -
Bank Of Commerce 0.35% $1,000 -
Community National Bank & Trust 0.35% $1,000 -
Lyons Federal Bank 0.35% $5,000 -
Great Southern Bank 0.35% $250 -
Citizens Savings And Loan Association, Fsb 0.35% $5,000 -
The University National Bank Of Lawrence 0.35% $500 -
Cornerstone Bank 0.33% $1,000 -
Central Bank And Trust Co. 0.31% $100,000 -
Bank Of Labor 0.30% $1,000 -
Simmons First National Bank 0.30% $1,000 -
The City National Bank And Trust Company Of Lawton, Oklahoma 0.30% $500 -
Bank Snb 0.30% $1,000 -
Citizens Bank And Trust Company 0.30% $500 -
Exchange National Bank & Trust Co. 0.30% $1,000 -
American Bank Of Baxter Springs 0.30% $1,000 -
The First National Bank Of Dighton 0.30% $2,500 -
Citizens Bank Of Kansas 0.30% $500 -
The First National Bank Of Louisburg 0.30% $500 -
The First Security Bank 0.30% $1,000 -
First National Bank Of Kansas 0.30% $500 -
Intrust Bank, National Association 0.30% $500 -
Umb Bank, National Association 0.30% $500 -
Arvest Bank 0.30% $10,000 -
The Kansas State Bank 0.30% $500 -
Community First Bank 0.30% $3,000 -
Kanza Bank 0.30% $1,000 -
Union Bank And Trust Company 0.30% $25,000 -
The Bank Of Whitewater 0.30% $500 -
The Tampa State Bank 0.30% $100,000 -
Bank Of Palmer 0.30% $500 -
First State Bank And Trust 0.30% $500 -
Towanda State Bank 0.30% $500 -
The Valley State Bank 0.30% $500 -
First Bank 0.30% $500 -
Capital City Bank 0.30% $500 -
Carson Bank 0.30% $500 -
The Halstead Bank 0.30% $100,000 -
The Farmers State Bank Of Blue Mound 0.30% $1,000 -
The Citizens State Bank 0.30% $1,000 -
Patriots Bank 0.30% $500 -
Valley View State Bank 0.30% $500 -
Chisholm Trail State Bank 0.30% $1,000 -
The Mission Bank 0.30% $1,000 -
Golden Belt Bank, Fsa 0.30% $1,000 -
Fidelity Bank 0.30% $1,000 -
Visionbank 0.30% $500 -
Nbh Bank, National Association 0.30% $500 -
The Morrill And Janes Bank And Trust Company 0.29% $1 -
Pony Express Community Bank 0.29% $100,000 -
The Citizens National Bank 0.28% $5,000 -
The Citizens National Bank 0.27% $5,000 -
Central Bank And Trust Co. 0.26% $1,000 -
Bokf, National Association 0.25% $100,001 -
Firstoak Bank 0.25% $1,000 -
Home Bank And Trust Company 0.25% $1,000 -
The Citizens National Bank 0.25% $5,000 -
The Midland National Bank Of Newton 0.25% $500 -
First Option Bank 0.25% $1,000 -
The State Bank Of Spring Hill 0.25% $500 -
Umb Bank, National Association 0.25% $500 -
Country Club Bank 0.25% $50,000 -
Missouri Bank And Trust Company Of Kansas City 0.25% $1,000 -
The Baxter State Bank 0.25% $1,000 -
The Farmers State Bank 0.25% $1,000 -
Silver Lake Bank 0.25% $500 -
The Farmers And Merchants State Bank Of Argonia 0.25% $10,000 -
Vintage Bank Kansas 0.25% $500 -
Security State Bank 0.25% $100 -
Pony Express Community Bank 0.25% $5,000 -
Commerce Bank 0.25% $10,000 -
Central Bank Of The Midwest 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 -
Bank Of The West 0.20% $10,000 -
The First National Bank Of Washington 0.20% $10,000 -
Landmark National Bank 0.20% $500 -
Country Club Bank 0.20% $10,000 -
Union Bank And Trust Company 0.20% $1,000 -
Hillsboro State Bank 0.20% $1,000 -
Great Western Bank 0.20% $25,000 -
The Lyons State Bank 0.20% $500 -
The Farmers State Bank 0.20% $1,000 -
Bmo Harris Bank National Association 0.20% $100,000 -
The Gorham State Bank 0.20% $10,000 -
The Halstead Bank 0.20% $1,000 -
Anb Bank 0.20% $10,000 -
Commerce Bank 0.20% $10,000 -
First Federal Savings And Loan Association Of Wakeeney 0.20% $500 -
Community National Bank & Trust 0.19% $1,000 -
Farmers Bank & Trust 0.18% $100,000 -
The Nekoma State Bank 0.17% $500 -
The Citizens National Bank 0.15% $5,000 -
Emprise Bank 0.15% $1,000 -
Great Western Bank 0.15% $10,000 -
Bmo Harris Bank National Association 0.15% $5,000 -
Cottonwood Valley Bank 0.15% $1,000 -
Astra Bank 0.15% $500 -
Corefirst Bank & Trust 0.15% $1,000 -
Community Bank 0.15% $1,000 -
Sunflower Bank, National Association 0.13% $10,000 -
Farmers Bank & Trust 0.12% $10,000 -
The First National Bank Of Hutchinson 0.12% $1,000 -
Fidelity State Bank And Trust Company 0.11% $500 -
U.s. Bank National Association 0.10% $10,000 -
Bankwest Of Kansas 0.10% $1 -
The Tampa State Bank 0.10% $500 -
First National Bank 0.10% $100,000 -
Verus Bank 0.10% $1,000 -
Equity Bank 0.10% $1,000 -
Bank Of America, National Association 0.07% $10,000 -
Peoples Bank 0.06% $1,000 -
Bank Of America, National Association 0.05% $10,000 -
Wells Fargo Bank, National Association 0.05% $10,000 -
First National Bank 0.02% $10,000 -

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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.

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  • 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.

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