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Hays, Kansas CD Rates 2020

Below are the best one-year CD Rates from banks in Hays, 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.

Hays, KS - February 24, 2020

1 Year CD National Average : 0.88% ?

Advertiser Disclosure
Banks APY MIN MILES ?
Sponsored Advertiser Disclosure
2.17% $50,000 6031.78
2.07% $50,000 6031.78
2.03% $1,000 6031.78
2.02% $5,000 5712.30
2.02% $10,000 5655.63
1.91% $25,000 5707.29
1.90% $2,500 5797.47
1.86% $100,000 5812.86
1.85% $90,000 5958.77
1.81% $1,000 5707.29
1.76% $500 5812.25
1.76% $1,000 5784.67
1.76% $5,000 5860.35
1.76% $100,000 5795.31
1.75% $1,000 5691.14
1.75% $5,000 5793.59
1.75% $1,000 5692.31
1.75% $1,000 5958.77
1.71% $1,000 5787.77
1.71% $500 5712.60
1.71% $1,000 5800.35
1.70% $500 5792.30
1.69% $500 5797.95
1.66% $1,000 5812.86
1.66% $500 5795.31
1.66% $20,000 5972.55
1.65% $1,000 5790.22
1.65% $50,000 5972.67
1.62% $100,000 5975.17
1.61% $1,000 5923.57
1.61% $500 5694.47
1.61% $1,000 5729.81
1.61% $1,000 5730.56
1.60% $1,000 5743.99
1.60% $50,000 5787.57
1.60% $1,000 5769.77
1.60% $5,000 5717.27
1.60% $1,000 5789.84
1.56% $1,000 5823.84
1.56% $500 5773.83
1.56% $100,000 5691.02
1.56% $500 5975.17
1.56% $15,000 5840.45
1.55% $5,000 5714.94
1.55% $100,000 5898.69
1.55% $10,000 5972.67
1.51% $1,000 5649.95
1.51% $500 5888.20
1.51% $5,000 5840.45
1.51% $50,000 5761.04
1.51% $250 5972.55
1.51% $100,000 5905.24
1.51% $1,000 5787.84
1.51% $500 5997.61
1.50% $50,000 5768.77
1.50% $1,000 5649.95
1.50% $1,000 5690.24
1.50% $1,000 5877.58
1.50% $500 5778.82
1.50% $1,000 5645.97
1.50% $1,000 5733.80
1.50% $10,000 5644.87
1.50% $500 5778.72
1.50% $1,000 5762.94
1.50% $500 5743.28
1.48% $100,000 5847.22
1.47% $100,000 5966.68
1.46% $50,000 5741.92
1.46% $100,000 5985.15
1.45% $10,000 6007.63
1.45% $1,000 5860.22
1.45% $100,000 5954.15
1.42% $1 5966.68
1.41% $100,000 5787.77
1.41% $100,000 5787.26
1.41% $1,000 5707.03
1.40% $1,000 0.00
1.40% $2,000 5717.27
1.40% $1,000 5878.72
1.40% $500 5761.04
1.40% $1,000 5898.69
1.40% $500 5905.24
1.37% $1,000 5782.21
1.36% $1,000 6007.72
1.36% $10,000 5691.02
1.36% $10,000 5741.92
1.36% $1,000 5666.31
1.36% $500 5655.63
1.36% $100,000 5909.29
1.35% $1,000 5768.77
1.35% $100,000 5894.20
1.35% $500 5800.01
1.35% $25,000 5929.87
1.35% $10,000 5845.98
1.35% $1,000 5847.22
1.35% $200 5883.64
1.35% $100,000 5930.71
1.35% $500 5701.18
1.34% $1,000 5649.95
1.31% $95,000 5691.65
1.31% $1,000 5649.95
1.31% $50 5856.10
1.31% $500 5822.56
1.30% $1,000 5867.77
1.30% $500 5898.36
1.30% $500 5888.21
1.30% $1,000 5924.30
1.30% $2,500 5931.19
1.30% $1,000 5985.15
1.26% $1,000 5912.34
1.26% $500 5703.45
1.26% $50,000 5990.07
1.26% $500 5860.58
1.26% $1,000 5788.60
1.25% $1,000 5697.30
1.25% $500 5894.20
1.25% $5,000 5787.57
1.25% $2,500 5797.47
1.25% $500 5778.92
1.25% $1,000 5965.14
1.25% $1,000 5878.06
1.25% $100,000 5708.71
1.25% $100 5905.72
1.23% $90,000 5908.15
1.21% $500 5718.90
1.21% $10,000 5691.65
1.21% $500 5859.74
1.21% $10,000 5787.77
1.21% $50,000 5827.63
1.21% $1,000 5671.39
1.21% $10,000 5787.26
1.21% $500 5741.84
1.21% $500 5771.44
1.21% $500 5909.29
1.20% $1,000 5783.93
1.20% $500 5860.53
1.20% $500 5780.37
1.20% $50,000 5798.23
1.19% $1,000 5744.85
1.19% $5,000 5826.91
1.19% $500 5954.15
1.17% $1,000 5860.35
1.16% $100,000 5744.23
1.16% $5,000 5818.42
1.16% $1,000 5920.41
1.15% $3,000 5696.30
1.15% $100,000 6020.33
1.15% $500 5937.59
1.15% $500 5938.03
1.15% $1,000 5923.06
1.15% $500 5959.06
1.15% $10,000 5860.56
1.15% $1,000 5745.41
1.15% $1,000 5972.54
1.15% $1,000 5768.66
1.15% $2,500 5908.15
1.15% $50,000 5994.20
1.11% $1,000 5827.63
1.11% $10,000 5990.07
1.11% $50,000 5833.42
1.11% $500 5886.55
1.10% $1,000 5763.82
1.10% $500 5769.68
1.10% $1,000 5746.90
1.10% $500 5713.71
1.10% $1,000 5829.53
1.10% $500 5743.65
1.10% $5,000 5826.91
1.10% $10,000 5798.23
1.10% $1,000 5920.41
1.10% $500 5822.55
1.09% $500 5691.69
1.09% $10,000 5833.42
1.09% $1,000 5708.65
1.07% $500 5810.65
1.06% $10,000 5822.72
1.06% $500 5744.23
1.05% $500 5746.92
1.05% $100,001 5743.92
1.05% $1 5693.16
1.05% $1,000 5649.95
1.05% $10,000 6020.33
1.05% $1,000 5692.28
1.05% $10,000 5930.71
1.05% $500 5790.55
1.05% $500 5672.58
1.01% $500 5731.60
1.01% $1,000 5793.58
1.00% $1 5747.45
1.00% $1,000 5743.92
1.00% $500 5831.48
1.00% $1 6037.66
1.00% $1,000 5649.95
1.00% $50,000 5717.24
1.00% $1,000 5923.07
1.00% $500 5946.38
1.00% $1,000 5719.63
1.00% $1,000 5795.24
1.00% $500 5871.67
1.00% $500 5836.36
1.00% $10,000 5795.97
1.00% $500 5772.35
1.00% $100,000 5829.51
1.00% $2,500 5947.92
1.00% $10,000 5896.07
1.00% $500 5694.30
1.00% $500 5722.55
0.95% $500 0.00
0.95% $10,000 5717.24
0.95% $500 5840.45
0.95% $1,000 5815.93
0.95% $100,000 5930.46
0.95% $1,000 5829.51
0.90% $1,000 5692.02
0.90% $1,000 5697.97
0.90% $1,000 5815.84
0.90% $10,000 5929.87
0.90% $500 5805.03
0.85% $10,000 5698.87
0.85% $1,000 5769.57
0.85% $1,000 5649.95
0.85% $500 5747.10
0.85% $1,000 5690.92
0.85% $10,000 5930.46
0.85% $1,000 5768.72
0.82% $2,000 6020.29
0.81% $1 5697.05
0.80% $1,000 5649.95
0.80% $1,000 5743.42
0.80% $500 5661.25
0.80% $1,000 5814.39
0.80% $1,000 5729.74
0.80% $5,000 5994.20
0.80% $500 5743.98
0.76% $500 5744.00
0.75% $1,000 5923.07
0.75% $500 6012.50
0.75% $10,000 5929.87
0.75% $500 5683.99
0.75% $5,000 5721.33
0.75% $500 5711.05
0.75% $500 5747.14
0.75% $1,000 5708.71
0.70% $500 5860.58
0.70% $1,000 5649.95
0.70% $500 5747.10
0.70% $100,000 6037.53
0.70% $1,000 5687.33
0.70% $1,000 5772.37
0.70% $1,000 5727.00
0.65% $500 5733.65
0.65% $50,000 5997.58
0.65% $75,000 5778.66
0.62% $1,000 5923.07
0.60% $1,000 5666.19
0.60% $1,000 5696.40
0.60% $500 5812.04
0.58% $10,000 5696.89
0.57% $1,000 5692.70
0.55% $1,000 5793.59
0.55% $500 5737.67
0.55% $1,000 5734.88
0.51% $1,000 5744.00
0.50% $1,000 5674.35
0.50% $500 5997.58
0.50% $500 5778.66
0.50% $500 5812.04
0.46% $50,000 5719.46
0.45% $1,000 5682.74
0.45% $50,000 5767.91
0.45% $1,000 5697.21
0.45% $10,000 6037.53
0.45% $500 5691.22
0.41% $10,000 5719.46
0.40% $500 5767.91
0.40% $500 5814.32
0.40% $1,000 5721.31
0.40% $1,000 5691.36
0.35% $250 5692.27
0.35% $100,000 5696.19
0.30% $1,000 5635.18
0.30% $1,000 5670.61
0.30% $3,000 5696.19
0.30% $500 5767.14
0.30% $500 5766.44
0.30% $500 5698.70
0.25% $10,000 5790.00
0.25% $500 5744.85
0.25% $1,000 5635.13
0.22% $25,000 5693.38
0.20% $10,000 5693.38
0.15% $1,000 5746.30
0.15% $500 5693.77
0.15% $5,000 5645.97
0.15% $500 5797.29
0.15% $10,000 5698.39
0.10% $10,000 5867.46
0.10% $10,000 5693.37
0.10% $10,000 5743.99
0.07% $10,000 5696.74
0.05% $10,000 5696.74
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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 2020

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.

SAVINGS & CD CALCULATOR

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