You are viewing savings rates across Kansas

Kansas Savings Rates 2017

If you have your savings dollars in a bank with low savings rates, then you are losing real money. With the magic of compounding interest, even an interest rate difference under 1% can really add up over time. See our Savings Booster Calculator to see why you should seek out a higher interest rate. The table below has an unbiased list of the savings and money market account rates of FDIC-insured banks that are near your current location (if they aren’t, then change the zip code above). Take a few minutes to explore these options and see how you can boost your savings by more than 6X the national average rate. You may also want to check credit unions near you or online banks by navigating through the tabs above. There is competition for your money. Take advantage of it!

KS - January 19, 2017

Savings Account National Average Rate: 0.13% ?

BANKS APY Vs. Nat'l Av. MIN MILES ?
CrossFirst Bank 1.00% 8.00x $1 -
New Century Bank 1.00% 8.00x $25,000 -
Liberty Bank and Trust Company 0.65% 5.20x $1 -
Beal Bank USA 0.61% 4.88x $25,000 -
The Bank of Tescott 0.55% 4.40x $4,000 -
Bank of Denton 0.55% 4.40x $10 -
Equity Bank 0.50% 4.00x $25,000 -
The Bennington State Bank 0.50% 4.00x $25,000 -
KS StateBank 0.50% 4.00x $100 -
New Century Bank 0.50% 4.00x $2,500 -
The Bennington State Bank 0.45% 3.60x $2,500 -
The Morrill and Janes Bank and Trust Company 0.45% 3.60x $25,000 -
The First State Bank of Healy 0.45% 3.60x $1,500 -
The Citizens State Bank of Cheney, Kansas 0.45% 3.60x $2,500 -
BANK VI 0.45% 3.60x $25,000 -
Alterra Bank 0.45% 3.60x $15,000 -
First Heritage Bank 0.40% 3.20x $1 -
The Bendena State Bank 0.40% 3.20x $100 -
The Farmers State Bank of Bucklin, Kansas 0.40% 3.20x $1 -
Millennium Bank 0.39% 3.12x $1 -
Garden Plain State Bank 0.37% 2.96x $25,000 -
Alterra Bank 0.35% 2.80x $100 -
The First National Bank of Girard 0.35% 2.80x $100 -
The First National Bank of Hope 0.35% 2.80x $10,000 -
The Union State Bank of Everest 0.35% 2.80x $25,000 -
The Kearny County Bank 0.35% 2.80x $25,000 -
Grant County Bank 0.35% 2.80x $10,000 -
State Bank of Downs 0.35% 2.80x $10,000 -
The First National Bank of Scott City 0.35% 2.80x $1,000 -
The Denison State Bank 0.35% 2.80x $25,000 -
Merit Bank 0.35% 2.80x $10,000 -
The Farmers State Bank of Westmoreland 0.35% 2.80x $2,500 -
The Farmers Bank of Osborne 0.35% 2.80x $25,000 -
Citizens State Bank and Trust Company 0.30% 2.40x $25,000 -
Mid-America Bank 0.30% 2.40x $20,000 -
The State Bank of Canton, Canton, Kansas 0.30% 2.40x $25 -
Simmons Bank 0.30% 2.40x $25,000 -
TriCentury Bank 0.30% 2.40x $5,000 -
First Heritage Bank 0.30% 2.40x $10,000 -
Union State Bank 0.30% 2.40x $2,500 -
The Kansas State Bank Overbrook Kansas 0.30% 2.40x $1 -
First National Bank in Frankfort 0.30% 2.40x $2,500 -
The Denison State Bank 0.30% 2.40x $10,000 -
The Farmers State Bank 0.30% 2.40x $1 -
NBKC Bank 0.30% 2.40x $25,000 -
The First State Bank of Healy 0.30% 2.40x $50 -
First Neodesha Bank 0.30% 2.40x $2,500 -
The Riley State Bank of Riley, Kansas 0.30% 2.40x $25,000 -
The First National Bank of Hope 0.30% 2.40x $100 -
The Bennington State Bank 0.30% 2.40x $100 -
Home Savings Bank 0.30% 2.40x $15,000 -
The First National Bank of Girard 0.30% 2.40x $1 -
KS StateBank 0.30% 2.40x $1 -
The Baldwin State Bank 0.30% 2.40x $20,000 -
The Lyndon State Bank 0.30% 2.40x $25,000 -
The First National Bank of Scott City 0.30% 2.40x $12 -
Fidelity Bank 0.25% 2.00x $1 -
Millennium Bank 0.25% 2.00x $15,000 -
The State Bank of Blue Rapids 0.25% 2.00x $15 -
The Bank of Tescott 0.25% 2.00x $1 -
Bank 7 0.25% 2.00x $10,000 -
Cornerstone Bank 0.25% 2.00x $25,000 -
Rose Hill Bank 0.25% 2.00x $7,500 -
The Farmers State Bank 0.25% 2.00x $100 -
The First National Bank of Hope 0.25% 2.00x $1 -
Union State Bank 0.25% 2.00x $1 -
The Union State Bank of Everest 0.25% 2.00x $250 -
First National Bank of Elkhart 0.25% 2.00x $1 -
The First National Bank of Syracuse 0.25% 2.00x $25,000 -
Southwind Bank 0.25% 2.00x $10,000 -
The First State Bank of Ransom 0.25% 2.00x $2,500 -
Simmons Bank 0.25% 2.00x $1 -
First National Bank of Kansas 0.25% 2.00x $25,000 -
The Jamestown State Bank 0.25% 2.00x $1 -
Grant County Bank 0.25% 2.00x $1 -
Impact Bank 0.25% 2.00x $200 -
The Bank of Protection 0.25% 2.00x $50 -
The Riley State Bank of Riley, Kansas 0.25% 2.00x $1 -
Swedish-American State Bank 0.25% 2.00x $2,500 -
The Citizens State Bank 0.25% 2.00x $1 -
Centera Bank 0.25% 2.00x $1,000 -
The Kearny County Bank 0.25% 2.00x $10,000 -
Flint Hills Bank 0.25% 2.00x $25,000 -
CrossFirst Bank 0.25% 2.00x $1 -
Security Bank of Kansas City 0.25% 2.00x $25,000 -
The Lyndon State Bank 0.25% 2.00x $5 -
BANK VI 0.25% 2.00x $10,000 -
Enterprise Bank & Trust 0.25% 2.00x $1 -
Farmers & Merchants Bank of Colby 0.25% 2.00x $25,000 -
State Bank of Downs 0.25% 2.00x $1 -
Farmers and Merchants Bank of Mound City, Kansas 0.25% 2.00x $1 -
Garden Plain State Bank 0.25% 2.00x $2,500 -
Mid-America Bank 0.25% 2.00x $5,000 -
First National Bank in Frankfort 0.25% 2.00x $25 -
The Valley State Bank 0.25% 2.00x $1 -
The Baxter State Bank 0.25% 2.00x $100 -
The Haviland State Bank 0.25% 2.00x $1 -
The Fowler State Bank 0.25% 2.00x $1,000 -
Alliance Bank 0.25% 2.00x $25,000 -
The Security State Bank 0.25% 2.00x $30 -
The Exchange State Bank of St. Paul, Kansas 0.25% 2.00x $25,000 -
The Citizens State Bank of Cheney, Kansas 0.25% 2.00x $1 -
The Community Bank 0.25% 2.00x $25,000 -
Union State Bank 0.25% 2.00x $25,000 -
First Neodesha Bank 0.25% 2.00x $100 -
BancCentral, National Association 0.25% 2.00x $10 -
Beal Bank USA 0.25% 2.00x $500 -
The First Security Bank 0.25% 2.00x $1 -
Farmers National Bank 0.25% 2.00x $1 -
First Heritage Bank 0.25% 2.00x $2,500 -
The Stock Exchange Bank, Caldwell, Kansas 0.25% 2.00x $2,500 -
The Citizens State Bank 0.25% 2.00x $1,000 -
Merit Bank 0.25% 2.00x $50 -
The Wilson State Bank 0.25% 2.00x $25,000 -
Marquette Farmers State Bank of Marquette 0.25% 2.00x $25,000 -
Exchange Bank 0.25% 2.00x $10,000 -
The Western State Bank 0.25% 2.00x $25,000 -
Leonardville State Bank 0.25% 2.00x $25 -
Peoples Bank and Trust Company 0.25% 2.00x $25,000 -
The Howard State Bank, Howard, Kansas 0.25% 2.00x $25 -
Fidelity Bank 0.22% 1.76x $25,000 -
Southwind Bank 0.22% 1.76x $50 -
Bank of Commerce and Trust Company 0.22% 1.76x $5,000 -
Farmers Bank & Trust 0.21% 1.68x $10,001 -
The Girard National Bank 0.20% 1.60x $25 -
Millennium Bank 0.20% 1.60x $1 -
Community Bank of Wichita, Inc. 0.20% 1.60x $1 -
Labette Bank 0.20% 1.60x $1 -
The Citizens State Bank 0.20% 1.60x $2,000 -
Andover State Bank 0.20% 1.60x $10,000 -
The Western State Bank 0.20% 1.60x $10,000 -
Simmons Bank 0.20% 1.60x $10,000 -
Fidelity Bank 0.20% 1.60x $50 -
Bank 7 0.20% 1.60x $100 -
The Community Bank 0.20% 1.60x $10,000 -
Farmers Bank & Trust 0.20% 1.60x $25,001 -
The Morrill and Janes Bank and Trust Company 0.20% 1.60x $1 -
The Farmers State Bank 0.20% 1.60x $2,500 -
Citizens State Bank and Trust Co., Ellsworth, Kansas 0.20% 1.60x $25,000 -
First Bank Kansas 0.20% 1.60x $1 -
The Wilson State Bank 0.20% 1.60x $10,000 -
Community National Bank & Trust 0.20% 1.60x $15,000 -
The Denison State Bank 0.20% 1.60x $1 -
Citizens Savings and Loan Association, FSB 0.20% 1.60x $25,000 -
The Exchange State Bank of St. Paul, Kansas 0.20% 1.60x $100 -
The State Bank of Bern 0.20% 1.60x $2,500 -
Community National Bank 0.20% 1.60x $50 -
The First National Bank in Cimarron 0.20% 1.60x $1 -
Citizens State Bank and Trust Company 0.20% 1.60x $1 -
Flint Hills Bank 0.20% 1.60x $10,000 -
Farmers State Bank 0.20% 1.60x $2,500 -
Swedish-American State Bank 0.20% 1.60x $1 -
The Farmers State Bank 0.20% 1.60x $25,000 -
Marquette Farmers State Bank of Marquette 0.20% 1.60x $100 -
SJN Bank of Kansas 0.20% 1.60x $25,000 -
NBKC Bank 0.20% 1.60x $10,000 -
The Kansas State Bank Overbrook Kansas 0.20% 1.60x $100 -
Ford County State Bank 0.20% 1.60x $2,500 -
Union State Bank 0.20% 1.60x $50 -
The Citizens State Bank 0.20% 1.60x $25,001 -
The Farmers State Bank 0.20% 1.60x $2,500 -
The Farmers Bank of Osborne 0.20% 1.60x $1 -
The State Bank of Kansas 0.20% 1.60x $100 -
The Farmers State Bank of Westmoreland 0.20% 1.60x $100 -
Legacy Bank 0.20% 1.60x $10,000 -
The Riley State Bank of Riley, Kansas 0.20% 1.60x $2,500 -
The Stock Exchange Bank, Caldwell, Kansas 0.20% 1.60x $50 -
Alliance Bank 0.20% 1.60x $5,000 -
The Stockgrowers State Bank of Ashland, Kansas 0.20% 1.60x $25,000 -
United Bank & Trust 0.20% 1.60x $25,000 -
TriCentury Bank 0.20% 1.60x $1 -
The Lyndon State Bank 0.20% 1.60x $1 -
Prescott State Bank 0.20% 1.60x $25,000 -
Southwest National Bank 0.20% 1.60x $25,000 -
Goppert State Service Bank 0.20% 1.60x $1 -
Capitol Federal Savings Bank 0.20% 1.60x $25,000 -
Home Savings Bank 0.20% 1.60x $2,500 -
Elk State Bank 0.20% 1.60x $2,000 -
Farmers National Bank 0.20% 1.60x $1 -
Exchange National Bank & Trust Co. 0.20% 1.60x $25,000 -
Beal Bank USA 0.20% 1.60x $1,000 -
The Security State Bank 0.20% 1.60x $2,500 -
BancCentral, National Association 0.20% 1.60x $2,500 -
Mid-America Bank 0.20% 1.60x $2,500 -
The Fowler State Bank 0.20% 1.60x $25 -
Roxbury Bank 0.20% 1.60x $10,000 -
Exchange Bank 0.20% 1.60x $2,500 -
State Bank of Downs 0.20% 1.60x $1 -
The Valley State Bank 0.20% 1.60x $2,500 -
Johnson State Bank 0.20% 1.60x $2,500 -
Peoples Bank 0.20% 1.60x $50 -
NBH Bank 0.20% 1.60x $25,000 -
The First National Bank of Cunningham 0.20% 1.60x $1 -
Southwind Bank 0.20% 1.60x $1,000 -
Farmers Bank & Trust 0.19% 1.52x $10,001 -
First National Bank and Trust 0.18% 1.44x $2,500 -
Peoples State Bank 0.18% 1.44x $25 -
Fidelity Bank 0.18% 1.44x $2,500 -
The Plains State Bank 0.18% 1.44x $25,000 -
Bank of Commerce and Trust Company 0.17% 1.36x $1 -
Farmers and Drovers Bank 0.17% 1.36x $25,000 -
Farmers Bank & Trust 0.17% 1.36x $2,501 -
Kaw Valley Bank 0.17% 1.36x $1,000 -
KansasLand Bank 0.17% 1.36x $25,000 -
The First State Bank of Ransom 0.16% 1.28x $50 -
Farmers Bank & Trust 0.16% 1.28x $2,501 -
Bank of Labor 0.16% 1.28x $25,000 -
Conway Bank, National Association 0.15% 1.20x $1,000 -
The First State Bank, Kiowa, Kansas 0.15% 1.20x $10 -
The Bank of Protection 0.15% 1.20x $2,501 -
The Stockgrowers State Bank of Ashland, Kansas 0.15% 1.20x $1 -
The Girard National Bank 0.15% 1.20x $1 -
The Valley State Bank 0.15% 1.20x $1 -
Community Bank of Wichita, Inc. 0.15% 1.20x $10,000 -
The State Bank of Spring Hill 0.15% 1.20x $25,000 -
First Federal Savings and Loan Bank 0.15% 1.20x $25,000 -
The Wilson State Bank 0.15% 1.20x $100 -
The Farmers State Bank of Oakley, Kansas 0.15% 1.20x $25,000 -
The Community Bank 0.15% 1.20x $1 -
Community National Bank & Trust 0.15% 1.20x $100 -
Labette Bank 0.15% 1.20x $1 -
The Gorham State Bank 0.15% 1.20x $10,000 -
First Option Bank 0.15% 1.20x $25,000 -
KansasLand Bank 0.15% 1.20x $5,000 -
The First National Bank of Harveyville 0.15% 1.20x $10 -
The Citizens State Bank 0.15% 1.20x $100 -
Cornerstone Bank 0.15% 1.20x $100 -
Farmers and Drovers Bank 0.15% 1.20x $10,000 -
Commercial Bank 0.15% 1.20x $1,000 -
First National Bank of Kansas 0.15% 1.20x $100 -
Bank of Greeley 0.15% 1.20x $1 -
Bank of Commerce 0.15% 1.20x $1 -
The Valley State Bank 0.15% 1.20x $1 -
Citizens State Bank and Trust Company 0.15% 1.20x $50 -
Home Savings Bank 0.15% 1.20x $50 -
The Bank of Whitewater 0.15% 1.20x $1,000 -
Exchange Bank 0.15% 1.20x $50 -
The City State Bank 0.15% 1.20x $1 -
BMO Harris Bank National Association 0.15% 1.20x $25,000 -
The Farmers and Merchants State Bank of Argonia 0.15% 1.20x $1 -
Exchange National Bank & Trust Co. 0.15% 1.20x $1 -
The Alden State Bank 0.15% 1.20x $2,500 -
First Federal Bank of Kansas City 0.15% 1.20x $1,000 -
The Western State Bank 0.15% 1.20x $1,000 -
The Baldwin State Bank 0.15% 1.20x $5,000 -
The Olpe State Bank 0.15% 1.20x $10,000 -
Mid-America Bank 0.15% 1.20x $10 -
Enterprise Bank & Trust 0.15% 1.20x $10,000 -
First National Bank and Trust 0.15% 1.20x $1 -
The Exchange State Bank of St. Paul, Kansas 0.15% 1.20x $2,500 -
Citizens State Bank 0.15% 1.20x $1 -
Roxbury Bank 0.15% 1.20x $50 -
The Walton State Bank 0.15% 1.20x $50 -
Great American Bank 0.15% 1.20x $25,000 -
The Citizens State Bank and Trust Company 0.15% 1.20x $1 -
Kaw Valley State Bank 0.15% 1.20x $10,000 -
Community National Bank 0.15% 1.20x $10,000 -
Bank SNB 0.15% 1.20x $25,000 -
The Haviland State Bank 0.15% 1.20x $1 -
Bank of Blue Valley 0.15% 1.20x $25,000 -
Marquette Farmers State Bank of Marquette 0.15% 1.20x $1 -
Chisholm Trail State Bank 0.15% 1.20x $10,000 -
The First State Bank 0.15% 1.20x $1 -
The State Exchange Bank 0.15% 1.20x $100 -
Flint Hills Bank 0.15% 1.20x $50 -
Farmers State Bank 0.15% 1.20x $10 -
Capitol Federal Savings Bank 0.15% 1.20x $10,000 -
Intrust Bank, National Association 0.15% 1.20x $10,000 -
Verus Bank 0.15% 1.20x $10,000 -
Centera Bank 0.15% 1.20x $10 -
The First Security Bank 0.15% 1.20x $10,000 -
First State Bank and Trust 0.15% 1.20x $1,000 -
Ford County State Bank 0.15% 1.20x $50 -
The Kearny County Bank 0.15% 1.20x $100 -
Towanda State Bank 0.15% 1.20x $1,000 -
SJN Bank of Kansas 0.15% 1.20x $1 -
The Peoples State Bank 0.15% 1.20x $25,000 -
Rose Hill Bank 0.15% 1.20x $50 -
The Citizens State Bank 0.15% 1.20x $1 -
NBKC Bank 0.15% 1.20x $1 -
Security Bank of Kansas City 0.15% 1.20x $100 -
The First National Bank in Cimarron 0.15% 1.20x $2,500 -
The Jamestown State Bank 0.15% 1.20x $1,000 -
Equity Bank 0.15% 1.20x $25,000 -
The First National Bank of Spearville 0.15% 1.20x $10 -
VisionBank 0.15% 1.20x $1 -
Farmers & Merchants Bank of Colby 0.15% 1.20x $1 -
Citizens Savings and Loan Association, FSB 0.15% 1.20x $10,000 -
Capital City Bank 0.15% 1.20x $10,000 -
The Farmers State Bank 0.15% 1.20x $50 -
The Tampa State Bank 0.15% 1.20x $20,000 -
Southwest National Bank 0.15% 1.20x $10,000 -
Alliance Bank 0.15% 1.20x $1 -
Bank of Hays 0.15% 1.20x $10,000 -
Almena State Bank 0.15% 1.20x $1 -
American Bank of Baxter Springs 0.15% 1.20x $25,000 -
The State Bank of Canton, Canton, Kansas 0.15% 1.20x $1 -
United Bank & Trust 0.15% 1.20x $1 -
NBH Bank 0.15% 1.20x $1 -
Union State Bank 0.15% 1.20x $10,000 -
BANK VI 0.15% 1.20x $2,500 -
The City National Bank and Trust Company of Lawton, Oklahoma 0.15% 1.20x $50 -
Adams Bank & Trust 0.15% 1.20x $25,000 -
Home Bank and Trust Company 0.15% 1.20x $10,000 -
Prescott State Bank 0.15% 1.20x $10,000 -
Patriots Bank 0.15% 1.20x $1 -
Elk State Bank 0.15% 1.20x $1 -
American State Bank & Trust Company 0.15% 1.20x $2,500 -
The St. Marys State Bank 0.15% 1.20x $1 -
TBK BANK, SSB 0.15% 1.20x $25,000 -
Security Bank 0.15% 1.20x $100 -
Peoples Bank and Trust Company 0.15% 1.20x $1 -
Liberty Bank and Trust Company 0.15% 1.20x $2,500 -
The Plains State Bank 0.15% 1.20x $1,500 -
The Stockgrowers State Bank 0.15% 1.20x $25,000 -
The Farmers State Bank 0.15% 1.20x $10,000 -
Bank of Palmer 0.15% 1.20x $100 -
Farmers and Merchants Bank 0.15% 1.20x $1 -
Sunflower Bank, National Association 0.14% 1.12x $25,000 -
Security Bank 0.14% 1.12x $2,500 -
FirstOak Bank 0.13% 1.04x $25,000 -
Security State Bank 0.13% 1.04x $25,000 -
The Citizens State Bank 0.13% 1.04x $10 -
Peoples State Bank 0.13% 1.04x $10,000 -
Vintage Bank Kansas 0.13% 1.00x $25,000 -
Lyons Federal Bank 0.12% 0.96x $1,000 -
Farmers and Drovers Bank 0.12% 0.96x $50 -
The Farmers State Bank 0.12% 0.96x $25,000 -
Great Southern Bank 0.12% 0.96x $25,000 -
The Citizens State Bank 0.12% 0.96x $1,000 -
Community National Bank & Trust 0.12% 0.96x $900 -
Bank of Labor 0.12% 0.96x $10,000 -
First Option Bank 0.12% 0.96x $500 -
The Alden State Bank 0.12% 0.96x $25 -
Garden Plain State Bank 0.12% 0.96x $1 -
BOKF, National Association 0.12% 0.96x $25,000 -
Farmers and Drovers Bank 0.11% 0.88x $2,500 -
Community Bank of the Midwest 0.11% 0.88x $25,000 -
The First State Bank, Kiowa, Kansas 0.10% 0.80x $2,500 -
Legacy Bank 0.10% 0.80x $1 -
The State Bank of Spring Hill 0.10% 0.80x $25 -
Sunflower Bank, National Association 0.10% 0.80x $9,000 -
The Halstead Bank 0.10% 0.80x $25,000 -
The Farmers State Bank of Oakley, Kansas 0.10% 0.80x $1 -
Peoples Bank 0.10% 0.80x $2,500 -
TBK BANK, SSB 0.10% 0.80x $2,500 -
The Gorham State Bank 0.10% 0.80x $50 -
First Bank of Newton 0.10% 0.80x $1,000 -
Community National Bank & Trust 0.10% 0.80x $100 -
Intrust Bank, National Association 0.10% 0.80x $1 -
Cornerstone Bank 0.10% 0.80x $1 -
Southwest National Bank 0.10% 0.80x $1,000 -
The Stockgrowers State Bank 0.10% 0.80x $1,000 -
The Lyon County State Bank 0.10% 0.80x $1,000 -
The Farmers State Bank of Blue Mound 0.10% 0.80x $100 -
The St. Marys State Bank 0.10% 0.80x $2,500 -
KansasLand Bank 0.10% 0.80x $1 -
Equity Bank 0.10% 0.80x $1 -
Exchange National Bank & Trust Co. 0.10% 0.80x $200 -
Bank of Labor 0.10% 0.80x $10 -
Bank of Blue Valley 0.10% 0.80x $100 -
The Olpe State Bank 0.10% 0.80x $50 -
Security State Bank 0.10% 0.80x $1 -
Citizens Savings and Loan Association, FSB 0.10% 0.80x $10 -
New Century Bank 0.10% 0.80x $25,000 -
Heritage Bank 0.10% 0.80x $1 -
Freedom Bank 0.10% 0.80x $25 -
Great American Bank 0.10% 0.80x $100 -
The Baldwin State Bank 0.10% 0.80x $2,500 -
Midwest Community Bank 0.10% 0.80x $1 -
Kaw Valley State Bank 0.10% 0.80x $1 -
Community National Bank 0.10% 0.80x $1 -
Prescott State Bank 0.10% 0.80x $25 -
Arvest Bank 0.10% 0.80x $10,000 -
Bank of Hays 0.10% 0.80x $1 -
Bank SNB 0.10% 0.80x $200 -
RCB Bank 0.10% 0.80x $100 -
Verus Bank 0.10% 0.80x $1 -
The State Bank of Kansas 0.10% 0.80x $10,000 -
FirstOak Bank 0.10% 0.80x $100 -
Citizens Bank and Trust Company 0.10% 0.80x $1,000 -
Prairie Bank of Kansas 0.10% 0.80x $1,000 -
Towanda State Bank 0.10% 0.80x $100 -
The Union State Bank 0.10% 0.80x $100 -
Vintage Bank Kansas 0.10% 0.80x $1 -
Hillsboro State Bank 0.10% 0.80x $10,000 -
The University National Bank of Lawrence 0.10% 0.80x $1 -
Security Bank of Kansas City 0.10% 0.80x $1,000 -
Silver Lake Bank 0.10% 0.80x $10,000 -
The Lyons State Bank 0.10% 0.80x $2,500 -
Community Bank 0.10% 0.80x $1,000 -
VisionBank 0.10% 0.80x $1 -
SJN Bank of Kansas 0.10% 0.80x $2,500 -
Home Bank and Trust Company 0.10% 0.80x $1 -
Capital City Bank 0.10% 0.80x $10,000 -
Golden Belt Bank, FSA 0.10% 0.80x $1 -
The Peoples State Bank 0.10% 0.80x $200 -
Lyons Federal Bank 0.10% 0.80x $5 -
The Citizens State Bank 0.10% 0.80x $1,001 -
Farmers and Merchants Bank of Mound City, Kansas 0.10% 0.80x $1,000 -
Alliance Bank 0.10% 0.80x $1 -
First Bank Kansas 0.10% 0.80x $1,000 -
Andover State Bank 0.10% 0.80x $100 -
Union State Bank 0.10% 0.80x $25 -
The Tampa State Bank 0.10% 0.80x $10,000 -
American Bank of Baxter Springs 0.10% 0.80x $50 -
United Bank & Trust 0.10% 0.80x $2,500 -
Carson Bank 0.10% 0.80x $10,000 -
Kanza Bank 0.10% 0.80x $100 -
The First Security Bank 0.10% 0.80x $2,500 -
Patriots Bank 0.10% 0.80x $1,000 -
American State Bank & Trust Company 0.10% 0.80x $100 -
Citizens State Bank and Trust Co., Ellsworth, Kansas 0.10% 0.80x $2,000 -
First State Bank and Trust 0.10% 0.80x $1,000 -
Union Bank and Trust Company 0.10% 0.80x $10,000 -
Great Southern Bank 0.10% 0.80x $100 -
Enterprise Bank & Trust 0.10% 0.80x $1 -
Johnson State Bank 0.10% 0.80x $2,500 -
The Howard State Bank, Howard, Kansas 0.10% 0.80x $7,501 -
The Morrill and Janes Bank and Trust Company 0.10% 0.80x $10,000 -
Conway Bank, National Association 0.10% 0.80x $5 -
Simmons Bank 0.10% 0.80x $2,500 -
ANB Bank 0.10% 0.80x $1 -
First Federal Bank of Kansas City 0.10% 0.80x $1,000 -
Peoples Bank and Trust Company 0.10% 0.80x $1 -
The Plains State Bank 0.10% 0.80x $2,500 -
The Farmers State Bank 0.10% 0.80x $2,500 -
First Bank 0.09% 0.72x $1 -
Central Bank and Trust Co. 0.09% 0.72x $25,000 -
Community Bank of the Midwest 0.09% 0.72x $4,000 -
The Stockgrowers State Bank 0.09% 0.72x $1 -
Sunflower Bank, National Association 0.08% 0.64x $1 -
First Option Bank 0.08% 0.64x $1 -
Citizens Bank of Kansas 0.08% 0.64x $15,000 -
ESB Financial 0.08% 0.64x $10,000 -
Silver Lake Bank 0.08% 0.64x $1 -
The Bank of Whitewater 0.08% 0.64x $10 -
Pony Express Community Bank 0.08% 0.64x $5,000 -
Peoples State Bank 0.08% 0.64x $1,000 -
BOKF, National Association 0.08% 0.64x $10,000 -
The Midland National Bank of Newton 0.08% 0.60x $1 -
First Bank of Newton 0.07% 0.56x $50 -
Chisholm Trail State Bank 0.07% 0.56x $1 -
Great Southern Bank 0.07% 0.56x $10,000 -
Central National Bank 0.07% 0.56x $10,000 -
The Nekoma State Bank 0.07% 0.56x $100 -
Kaw Valley State Bank 0.07% 0.56x $100 -
Emprise Bank 0.07% 0.56x $25,000 -
Southwest National Bank 0.07% 0.56x $100 -
Bank of the West 0.07% 0.56x $25,000 -
Silver Lake Bank 0.07% 0.56x $1 -
Central Bank of the Midwest 0.07% 0.56x $1,000 -
Carson Bank 0.07% 0.56x $1 -
The First National Bank of Sedan 0.07% 0.56x $10,000 -
Pony Express Community Bank 0.07% 0.56x $1 -
Kaw Valley Bank 0.07% 0.56x $1 -
Citizens Bank of Kansas 0.06% 0.48x $2,500 -
Community Bank of the Midwest 0.06% 0.48x $2,000 -
U.S. Bank National Association 0.06% 0.48x $10,000 -
BANKWEST OF KANSAS 0.06% 0.48x $25,000 -
The First National Bank of Sedan 0.06% 0.48x $2,500 -
Bank of the West 0.06% 0.48x $10,000 -
Central Bank and Trust Co. 0.05% 0.40x $1 -
Community Bank of Wichita, Inc. 0.05% 0.40x $1,000 -
First Federal Savings and Loan Bank 0.05% 0.40x $25 -
Commercial Bank 0.05% 0.40x $1,500 -
Citizens State Bank and Trust Co., Ellsworth, Kansas 0.05% 0.40x $50 -
The Farmers State Bank 0.05% 0.40x $5,000 -
Academy Bank, National Association 0.05% 0.40x $100 -
Arvest Bank 0.05% 0.40x $100 -
Exchange National Bank & Trust Co. 0.05% 0.40x $1 -
BOKF, National Association 0.05% 0.40x $1 -
Community First Bank 0.05% 0.40x $100 -
Commerce Bank 0.05% 0.40x $25,000 -
The Nekoma State Bank 0.05% 0.40x $25,000 -
First State Bank and Trust 0.05% 0.40x $100 -
The First National Bank of Dighton 0.05% 0.40x $1,000 -
New Century Bank 0.05% 0.40x $1 -
The Citizens National Bank 0.05% 0.40x $5,000 -
Great American Bank 0.05% 0.40x $1 -
The Tampa State Bank 0.05% 0.40x $10 -
Great Western Bank 0.05% 0.40x $10,000 -
The Baldwin State Bank 0.05% 0.40x $1 -
Missouri Bank and Trust Company of Kansas City 0.05% 0.40x $1,000 -
Midwest Community Bank 0.05% 0.40x $10 -
Emprise Bank 0.05% 0.40x $1 -
Bank of Blue Valley 0.05% 0.40x $1 -
The Lyon County State Bank 0.05% 0.40x $1 -
The Morrill and Janes Bank and Trust Company 0.05% 0.40x $2,500 -
Capitol Federal Savings Bank 0.05% 0.40x $100 -
Country Club Bank 0.05% 0.40x $25,000 -
The Lyons State Bank 0.05% 0.40x $25 -
BANKWEST OF KANSAS 0.05% 0.40x $10,000 -
Armed Forces Bank, National Association 0.05% 0.40x $100 -
The Union State Bank 0.05% 0.40x $2,500 -
UMB Bank, National Association 0.05% 0.40x $1 -
CoreFirst Bank & Trust 0.05% 0.40x $1 -
Central National Bank 0.05% 0.40x $1 -
First National Bank of Omaha 0.05% 0.40x $1 -
TBK BANK, SSB 0.05% 0.40x $10 -
Equity Bank 0.05% 0.40x $1 -
The Howard State Bank, Howard, Kansas 0.05% 0.40x $2,500 -
BMO Harris Bank National Association 0.05% 0.40x $1 -
Mutual Savings Association, FSA 0.05% 0.40x $1,000 -
ANB Bank 0.05% 0.40x $1 -
Capital City Bank 0.05% 0.40x $1 -
Fidelity State Bank and Trust Company 0.05% 0.40x $20,000 -
Adams Bank & Trust 0.05% 0.40x $100 -
The First National Bank of Syracuse 0.05% 0.40x $100 -
Hillsboro State Bank 0.05% 0.40x $250 -
The Kansas State Bank 0.05% 0.40x $100 -
The First National Bank of Washington 0.05% 0.40x $25,000 -
Bank SNB 0.05% 0.40x $1 -
Carson Bank 0.05% 0.40x $2,500 -
Union Bank and Trust Company 0.05% 0.40x $1 -
The First National Bank of Spearville 0.05% 0.40x $2,500 -
Union State Bank 0.05% 0.40x $1 -
The First National Bank of Sedan 0.05% 0.40x $1 -
Fidelity Bank 0.05% 0.40x $1 -
Kanza Bank 0.05% 0.40x $1,000 -
The Trego-WaKeeney State Bank 0.05% 0.40x $5,000 -
Landmark National Bank 0.05% 0.40x $25,000 -
Citizens Bank of Kansas 0.05% 0.40x $100 -
Freedom Bank 0.05% 0.40x $1,000 -
The Halstead Bank 0.05% 0.40x $1 -
The Peoples State Bank 0.05% 0.40x $1,500 -
U.S. Bank National Association 0.05% 0.40x $10,000 -
Citizens Bank and Trust Company 0.05% 0.40x $100 -
NBH Bank 0.05% 0.40x $25 -
The Farmers State Bank 0.05% 0.40x $50 -
The Citizens National Bank 0.04% 0.32x $25,000 -
The First National Bank of Dighton 0.04% 0.32x $15 -
Central Bank of the Midwest 0.04% 0.32x $50 -
Peoples Bank 0.04% 0.32x $25,000 -
First National Bank of Omaha 0.04% 0.32x $5,000 -
U.S. Bank National Association 0.04% 0.32x $1,000 -
BANK VI 0.03% 0.24x $100 -
The Nekoma State Bank 0.03% 0.24x $1,000 -
The Halstead Bank 0.03% 0.24x $1 -
The First National Bank of Louisburg 0.03% 0.24x $1 -
The Citizens National Bank 0.03% 0.24x $1 -
ESB Financial 0.03% 0.24x $1,000 -
The Farmers State Bank 0.03% 0.24x $1 -
Community Bank of the Midwest 0.03% 0.24x $1 -
The First National Bank of Washington 0.03% 0.24x $1 -
The Midland National Bank of Newton 0.03% 0.24x $1,000 -
BOKF, National Association 0.03% 0.24x $1 -
Armed Forces Bank, National Association 0.03% 0.24x $1 -
Peoples Bank 0.03% 0.24x $10,000 -
Fidelity State Bank and Trust Company 0.03% 0.24x $10,000 -
Landmark National Bank 0.03% 0.24x $100 -
The First National Bank of Hutchinson 0.03% 0.24x $10,000 -
The Trego-WaKeeney State Bank 0.03% 0.24x $1 -
Academy Bank, National Association 0.03% 0.24x $1 -
First National Bank of Omaha 0.03% 0.24x $1 -
Bank of America, National Association 0.03% 0.24x $1 -
The Citizens National Bank 0.02% 0.16x $1 -
Commerce Bank 0.02% 0.16x $100 -
UMB Bank, National Association 0.02% 0.16x $200 -
Peoples Bank 0.02% 0.16x $2,500 -
Landmark National Bank 0.02% 0.16x $1 -
First National Bank 0.02% 0.16x $100 -
Great Southern Bank 0.02% 0.16x $2,500 -
Bank of the West 0.02% 0.16x $1 -
The First National Bank of Hutchinson 0.02% 0.16x $1 -
Fidelity State Bank and Trust Company 0.02% 0.16x $1 -
BANKWEST OF KANSAS 0.02% 0.16x $200 -
Missouri Bank and Trust Company of Kansas City 0.02% 0.16x $1 -
The Farmers State Bank 0.01% 0.08x $1,000 -
Astra Bank 0.01% 0.08x $1 -
Wells Fargo Bank, National Association 0.01% 0.08x $1 -
Country Club Bank 0.01% 0.08x $100 -
Bank of the West 0.01% 0.08x $1 -
Peoples Bank 0.01% 0.08x $1 -
The State Bank of Kansas 0.01% 0.08x $1,000 -
Community Bank 0.01% 0.08x $1 -
Great Western Bank 0.01% 0.08x $1 -
U.S. Bank National Association 0.01% 0.08x $1 -
Equity Bank 0.01% 0.08x $1 -
Bank of America, National Association 0.01% 0.08x $1 -
CoreFirst Bank & Trust 0.01% 0.08x $1 -


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


Local Savings Accounts 2017

Savings accounts offer depositors flexibility along with the stability of FDIC insurance (assuming your deposit amounts are within FDIC limits – see below). Savings accounts are a good place to keep money for unforeseen expenses, as well as money that you may be preparing to use and want to keep safe. Individuals often use savings accounts for a home down payment, a vacation, a wedding, a car, an emergency fund, or other near-term expenditures. However, if you have cash that you do not believe you will need for at least a year, you may want to consider investing in a certificate of deposit.

While online savings account have grown in popularity and usage dramatically over the past fifteen years, some consumers prefer opening an account in a branch and having a personal relationship with the people who safeguard their money. Physical branches also provide an easy way to get cash instantly, to deposit checks, to access to notaries, and sometimes to get free coffee and donuts.

You will find a map with all banks that are close to you here.

FDIC Insurance

BestCashCow strongly recommends that when depositing money, you stay within the insured limits of the Federal Deposit Insurance Corporation (“FDIC”). You should not deposit over $250,000 at a single bank across all products (savings or share certificates, certificates of deposit or time deposits, etc.) unless these deposits are made across different product types (individual, joint, etc). Learn more about FDIC insurance and different product types here. If you are still uncertain whether you are within FDIC limits, you should visit the FDIC's website to determine your coverage limits based on your circumstances.

Advantages of Local Savings or Money Market Accounts:

  • Higher interest rate than a checking account, usually.
  • Personal service and interaction. Unlike an online account you are building a relationship with your banker by opening it in a branch.
  • Online access. Often, depending on the size of the bank, banks enable transactions and deposits to be performed online or through a mobile application.
  • Liquidity. Depositors can withdraw their money at any time.

Disadvantages:

  • A variable interest rate. Rates can change at any time. In a falling rate environment, this is a negative. In a rising rate environment, this is a positive.
  • A lower rate than an online bank. Branches are expensive and non-online banks often can't afford to pay as much interest as an online bank.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you and be sure it is appropriate. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

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

  • george koshefsky

    April 21, 2015

    Where is the list of the worst online banks to bank with or the States to avoid

  • ctyank January 19, 2015

    January 19, 2015

    Liberty Bank...Hamden, CT...new branch opening...special savings rate, 1.50% up to $100,000.00 through 2016...do not beleive it is available to om-line customer(s)...checking account linked, free...

  • Sol @ Travis

    September 29, 2013

    @ Travis

    In many cases we do provide this information. For example, the Belmont Savings Bank rate you list above comes with a clear disclaimer if you click the Learn more button. We're always trying to improve though and will certainly continue to gather additional information. Thanks for your comment.

  • Travis MacDonald

    September 29, 2013

    I find the numbers decieving. Some of your banks listed with the highest APR have many restrictions and requirements. I feel that these should be listed on your site in the "details" section to avoid any "bait-and-switch" claims. For instance, Belmont Savings Bank in Belmont, MA is listed as having a 1.00% APR, but the savings account requires a companion checking account with a daily average balance of 250,000. Another example is Salen Five cents Bank under the online banks. The account listed is not available on their website. When I inquired about it, they told me that particular savings product was reserved as an add-on for accounts with daily balances in excess of $10,000. It seems alot of research went into the details pages in terms of company financials and whatnot. Seems like a little more research could be done on the savings and checking products themselves.

  • «
  • Page 1 of 1
  • »

Add Your Review

Rate it here →