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Kansas CD Rates

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 - May 24, 2016

1 Year CD National Average : 0.38% ?

Bank APY MIN MILES ?
Ks Statebank 1.15% $100,000 -
Beal Bank Usa 1.01% $1,000 -
Ks Statebank 1.00% $500 -
Crossfirst Bank 1.00% $1,000 -
Liberty Bank And Trust Company 0.87% $100,000 -
The First National Bank Of Hope 0.85% $50,000 -
The Stockton National Bank 0.85% $10,000 -
Exchange Bank 0.80% $2,500 -
New Century Bank 0.80% $5,000 -
The Citizens State Bank Of Cheney, Kansas 0.80% $500 -
The Kearny County Bank 0.80% $50,000 -
Legacy Bank 0.80% $1,000 -
Bank Vi 0.80% $500 -
The First State Bank Of Healy 0.76% $90,000 -
Liberty Bank And Trust Company 0.76% $1 -
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 Farmers State Bank Of Westmoreland 0.75% $1,000 -
Leonardville State Bank 0.75% $500 -
Academy Bank, National Association 0.75% $500 -
Millennium Bank 0.75% $500 -
The Citizens State Bank 0.74% $100,000 -
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 -
The Western State Bank 0.70% $50,000 -
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 First National Bank Of Spearville 0.65% $100,000 -
First National Bank Of Omaha 0.65% $500 -
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 Of Greeley 0.65% $500 -
The Farmers State Bank Of Bucklin, Kansas 0.65% $100 -
First National Bank Of Elkhart 0.65% $500 -
First Federal Savings And Loan Bank 0.65% $1,000 -
Garden Plain State Bank 0.62% $1,000 -
Colorado East Bank & Trust 0.60% $1,000 -
Bank 7 0.60% $1,000 -
Farmers National Bank 0.60% $500 -
The Farmers Bank Of Osborne 0.60% $500 -
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 -
Emerald Bank 0.60% $1,000 -
Towanda 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 -
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 -
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 -
Adams Bank & Trust 0.55% $10,000 -
The Bank Of Protection 0.55% $500 -
Mutual Savings Association, Fsa 0.55% $2,000 -
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 -
First National Bank And Trust 0.50% $500 -
Sjn Bank Of Kansas 0.50% $50 -
The First National Bank Of Spearville 0.50% $1,000 -
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 -
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 -
Community National Bank 0.50% $5,000 -
Flint Hills Bank 0.50% $10,000 -
Community National Bank & Trust 0.50% $1,000 -
Capitol Federal Savings Bank 0.50% $1,000 -
First Federal Bank, Fsb 0.50% $1,000 -
Farmers & Merchants Bank Of Colby 0.50% $1,000 -
Great American Bank 0.50% $1,000 -
The Citizens State Bank 0.49% $500 -
Prairie Bank Of Kansas 0.48% $100,000 -
The Farmers State Bank 0.47% $50,000 -
The Alta Vista State Bank 0.46% $10,000 -
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% $50,000 -
Security Bank Of Kansas City 0.45% $500 -
The Stockton National Bank 0.45% $1,000 -
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 -
Johnson State Bank 0.45% $25,000 -
The Denison State Bank 0.45% $500 -
Rcb Bank 0.45% $1,000 -
Union State Bank 0.45% $500 -
The Trego-wakeeney 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 -
The Girard National Bank 0.41% $500 -
Citizens State Bank 0.40% $500 -
The Bank Of Tescott 0.40% $10,000 -
First Heritage Bank 0.40% $2,500 -
Central National Bank 0.40% $10,000 -
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 -
The State Bank Of Kansas 0.40% $1 -
Ford County State Bank 0.40% $500 -
Farmers And Drovers Bank 0.40% $500 -
Swedish-american State Bank 0.40% $500 -
Kanza Bank 0.40% $1,000 -
Kaw Valley State Bank 0.40% $500 -
The Bank Of Whitewater 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 -
Johnson 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 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 -
The Jamestown State Bank 0.40% $500 -
The City State Bank 0.40% $500 -
Farmers Bank & Trust 0.40% $1,000 -
Vintage Bank Kansas 0.40% $75,000 -
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 -
The Western State Bank 0.40% $5,000 -
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 -
Exchange Bank 0.35% $2,500 -
Community Bank Of The Midwest 0.35% $1,000 -
Conway Bank, National Association 0.35% $1,000 -
The First National Bank Of Cunningham 0.35% $1,000 -
Prairie Bank Of Kansas 0.35% $1,000 -
The First National Bank Of Syracuse 0.35% $500 -
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 -
The St. Marys State Bank 0.35% $500 -
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 -
Citizens State Bank And Trust Co., Ellsworth, Kansas 0.30% $500 -
Community First Bank 0.30% $3,000 -
Union Bank And Trust Company 0.30% $25,000 -
The Tampa State Bank 0.30% $100,000 -
Bank Of Palmer 0.30% $500 -
First State Bank And Trust 0.30% $500 -
The Valley State Bank 0.30% $500 -
First Bank 0.30% $500 -
Capital City Bank 0.30% $500 -
Goppert State Service Bank 0.30% $1,000 -
Carson Bank 0.30% $500 -
The Halstead Bank 0.30% $100,000 -
The Farmers State Bank Of Blue Mound 0.30% $1,000 -
The Alden State Bank 0.30% $500 -
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% $1,000 -
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 -
Peoples Exchange Bank 0.25% $10,000 -
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 -
Cornerbank 0.25% $100 -
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 -
Great Western Bank 0.25% $25,000 -
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 -
Bokf, National Association 0.20% $1,000 -
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 -
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 -
The Peabody State Bank 0.20% $1 -
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 -
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 -
First-citizens Bank & Trust Company 0.10% $10,000 -
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 -

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.

  • 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.

  • Brian

    December 30, 2015

    Where are the 60 month CD rates?

  • won't say

    November 05, 2015

    where are the local banks?

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Certificates of Deposit - Branch Banks

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.

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.

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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