Best Local Bank Savings and Money Market Rates in Gardner, Kansas, KS June 15, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Gardner, KS - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Sunflower Bank, National Association Lawrence - Mass Street Office Branch	4.60% 4.25%	$100,000 $0	Learn More
KNM \| Jul 6, 2021 If there were negative stars for customer service, I would have used it. They don't tell you that their "EPIC" money market also charges epic fees - $20.00 per month - negating the interest rate. Read More Reviews (1)
Capitol Federal Savings Bank Lawrence Target Branch	4.30%	$100	Learn More
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
U.s. Bank National Association Northwest Branch	3.50% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Union Bank And Trust Company Commercial State Bk. Of Bonner Sprin Branch	3.09% 2.32% 1.41%	$500,000 $100,000 $10,000	Learn More
Rate History: 3.56% → 3.45% → 3.25% → 3.09%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Bmo Bank National Association Monticello Branch	2.94% 2.22% 1.20% 0.80%	$250,000 $100,000 $25,000 $0	Learn More
Rate History: 2.00% → 3.56% → 3.30% → 3.09% → 2.94%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Capital One, National Association	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Intrust Bank, National Association 544 Columbia Drive Branch	2.30% 1.65%	$100,000 $10,000	Learn More Add Review
Rate History: 3.25% → 3.15% → 2.30%
Capitol Federal Savings Bank Lawrence Target Branch	2.25% 1.25% 0.75% 0.50%	$200,000 $100,000 $25,000 $1,000	Learn More
Rate History: 2.49% → 2.25%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
Arvest Bank Ottawa Branch	2.07% 2.02% 1.92% 1.87%	$5,000,000 $100,000 $10,000 $2,500	Learn More Add Review
Rate History: 2.17% → 2.07%
Security Bank Of Kansas City Wea St Branch	2.07% 1.81% 1.56% 1.41% 1.11% 1.00%	$1,000,000 $500,000 $250,000 $100,000 $25,000 $0	Learn More
Rate History: 2.12% → 2.07%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
Bokf, National Association Overland Park Office Branch	1.25% 1.00% 0.85% 0.75%	$250,000 $100,000 $50,000 $25,000	Learn More
Rate History: 1.00% → 1.50% → 1.25%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Fidelity Bank, National Association Metcalf Branch	1.25% 1.00% 0.75% 0.35%	$250,000 $100,000 $0 $2,500	Learn More Add Review
Wells Fargo Bank, National Association Olathe Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
First Federal Bank Of Kansas City 132 Oak St Branch	1.00% 0.60%	$250,000 $25,000	Learn More Add Review
Mutual Savings Association 8th & Main Branch	0.90%	$25,000	Learn More Add Review
Intrust Bank, National Association 544 Columbia Drive Branch	0.60%	$0	Learn More Add Review
Community National Bank Tonganoxie Branch	0.55%	$25,000	Learn More Add Review
Bokf, National Association Overland Park Office Branch	0.50%	$25,000	Learn More
Rate History: 0.55% → 0.50%
Aku \| May 29, 2020 Dua Read More Reviews (1)
The Baldwin State Bank Eighth Street Branch	0.50%	$25,000	Learn More Add Review
Nbkc Bank Nbkc Bank Branch	0.50%	$1	Learn More Add Review
Community National Bank Tonganoxie Branch	0.40%	$10,000	Learn More Add Review
Union Bank And Trust Company Commercial State Bk. Of Bonner Sprin Branch	0.36%	$0	Learn More
Rate History: 0.50% → 0.36%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Community National Bank Tonganoxie Branch	0.30%	$2,500	Learn More Add Review
Farmers Bank & Trust Cedar Lake Village Branch	0.30%	$25,000	Learn More Add Review
Mid-america Bank Mid-America Bank Branch	0.30%	$25,000	Learn More Add Review
Arvest Bank Ottawa Branch	0.25%	$100	Learn More Add Review
Mutual Savings Association 8th & Main Branch	0.25%	$10,000	Learn More Add Review
The First Security Bank Paola Branch	0.25%	$2,500	Learn More Add Review
Corefirst Bank & Trust Corefirst Bank & Trust Branch	0.25%	$25,000	Learn More Add Review
Mid-america Bank Mid-America Bank Branch	0.25%	$10,000	Learn More Add Review
The Baldwin State Bank Eighth Street Branch	0.25%	$10,000	Learn More Add Review
Tricentury Bank Tricentury Bank Branch	0.25%	$2,500	Learn More
Jjjohnston7 \| Jun 25, 2021 TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More Reviews (2)
Crossfirst Bank Crossfirst Bank Branch	0.25%	$2,500	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
First Federal Bank Of Kansas City 132 Oak St Branch	0.25%	$100,000	Learn More Add Review
U.s. Bank National Association Northwest Branch	0.25%	$25,000	Learn More
Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Great American Bank Great American Bank Branch	0.20%	$100	Learn More Add Review
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
First Heritage Bank First Heritage Bank Commercial Divis Branch	0.20%	$25,000	Learn More Add Review
Community National Bank Tonganoxie Branch	0.20%	$2,500	Learn More Add Review
Kaw Valley State Bank Kaw Valley State Bank Branch	0.20%	$10,000	Learn More Add Review
Mid-america Bank Mid-America Bank Branch	0.20%	$2,500	Learn More Add Review
The Baldwin State Bank Eighth Street Branch	0.20%	$2,500	Learn More Add Review
Security Bank Of Kansas City Wea St Branch	0.20%	$0	Learn More
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
First Federal Bank Of Kansas City 132 Oak St Branch	0.20%	$1,000	Learn More Add Review
Nbh Bank South Store Branch	0.19%	$25,000	Learn More Add Review
Country Club Bank 21911 S. 66th Street Branch	0.15%	$1,000	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Great American Bank Great American Bank Branch	0.15%	$9,000	Learn More Add Review
Umb Bank, National Association Shawnee Branch	0.15%	$25,000	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
First State Bank And Trust Lawrence Monterey Branch	0.15%	$2,500	Learn More Add Review
Citizens Federal Savings Bank State Avenue Branch	0.15%	$2,500	Learn More Add Review
Farmers Bank & Trust Cedar Lake Village Branch	0.15%	$10,000	Learn More Add Review
Corefirst Bank & Trust Corefirst Bank & Trust Branch	0.15%	$10,000	Learn More Add Review
Kaw Valley State Bank Kaw Valley State Bank Branch	0.15%	$2,500	Learn More Add Review
Mid-america Bank Mid-America Bank Branch	0.15%	$2,500	Learn More Add Review
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	0.15%	$25,000	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Crossfirst Bank Crossfirst Bank Branch	0.15%	$2,500	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
Great Southern Bank Ottawa Branch	0.12%	$25,000	Learn More Add Review
Bank Of Prairie Village Bank Of Prairie Village Branch	0.12%	$25,000	Learn More Add Review
Argentine Federal Savings Overland Park Branch	0.10%	$0	Learn More Add Review
Great Southern Bank Ottawa Branch	0.10%	$100	Learn More Add Review
First-citizens Bank & Trust Company Overland Park Branch	0.10% 0.07%	$100,000 $25,000	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
The Kansas State Bank Detached Facility Branch	0.10%	$100	Learn More Add Review
Great American Bank Great American Bank Branch	0.10%	$1	Learn More Add Review
Bokf, National Association Overland Park Office Branch	0.10%	$0	Learn More
Rate History: 0.20% → 0.10%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Umb Bank, National Association Shawnee Branch	0.10%	$10,000	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
First Heritage Bank First Heritage Bank Commercial Divis Branch	0.10%	$2,500	Learn More Add Review
Country Club Bank 21911 S. 66th Street Branch	0.10%	$100	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Mutual Savings Association 8th & Main Branch	0.10%	$2,500	Learn More Add Review
The First Security Bank Paola Branch	0.10%	$2,500	Learn More Add Review
Corefirst Bank & Trust Corefirst Bank & Trust Branch	0.10%	$2,500	Learn More Add Review
Goppert State Service Bank North Ottawa Branch	0.10%	$2,500	Learn More Add Review
The State Bank Of Spring Hill The State Bank Of Spring Hill Branch	0.10%	$2,500	Learn More Add Review
First Federal Savings And Loan Bank First Federal Savings And Loan Bank Branch	0.10%	$25	Learn More Add Review
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	0.10%	$2,500	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Cornerstone Bank Cornerstone Bank Branch	0.10%	$2,500	Learn More Add Review
Fidelity Bank, National Association Metcalf Branch	0.10% 0.05%	$10,000 $0	Learn More Add Review
Rate History: 1.00% → 0.10%
Umb Bank, National Association Shawnee Branch	0.08%	$2,500	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Bank Of Prairie Village Bank Of Prairie Village Branch	0.08%	$2,500	Learn More Add Review
Great Southern Bank Ottawa Branch	0.07%	$10,000	Learn More Add Review
Central National Bank Lawrence Wal-Mart Branch	0.07%	$10,000	Learn More Add Review
Nbh Bank South Store Branch	0.07%	$2,500	Learn More Add Review
The Kansas State Bank Detached Facility Branch	0.07%	$2,500	Learn More Add Review
Anb Bank Lenexa Premier Branch	0.07%	$25,000	Learn More Add Review
Cornerstone Bank Cornerstone Bank Branch	0.07%	$25,000	Learn More Add Review
Equity Bank Overland Park Branch	0.05% 0.03%	$0 $100,000	Learn More Add Review
Central National Bank Lawrence Wal-Mart Branch	0.05%	$1	Learn More Add Review
The First National Bank Of Louisburg The First National Bank Of Louisburg Branch	0.05%	$1	Learn More Add Review
First National Bank Of Omaha Olathe Branch	0.05%	$0	Learn More Add Review
Bank Of Prairie Village Bank Of Prairie Village Branch	0.05%	$2,500	Learn More Add Review
Bank Of Labor Olathe Branch	0.05%	$2,500	Learn More
ksucat \| Nov 9, 2018 The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More Reviews (1)
Umb Bank, National Association Shawnee Branch	0.05%	$2,500	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Landmark National Bank 2710 Iowa Branch	0.05%	$25,000	Learn More Add Review
First Heritage Bank First Heritage Bank Commercial Divis Branch	0.05%	$2,500	Learn More Add Review
First State Bank And Trust Lawrence Monterey Branch	0.05%	$2,500	Learn More Add Review
Citizens Federal Savings Bank State Avenue Branch	0.05%	$2,500	Learn More Add Review
Farmers Bank & Trust Cedar Lake Village Branch	0.05%	$2,500	Learn More Add Review
Nbh Bank South Store Branch	0.05%	$2,500	Learn More Add Review
Anb Bank Lenexa Premier Branch	0.05%	$2,500	Learn More Add Review
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	0.05%	$2,500	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Cornerstone Bank Cornerstone Bank Branch	0.05%	$2,500	Learn More Add Review
First Business Bank Leawood Branch	0.05%	$10,000	Learn More Add Review
Bank Of America, National Association Lawrence Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
Commerce Bank 6th St Dillons Branch	0.03%	$25,000	Learn More Add Review
Landmark National Bank 2710 Iowa Branch	0.03%	$2,500	Learn More Add Review
Enterprise Bank & Trust East Branch	0.03%	$2,500	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
Great Southern Bank Ottawa Branch	0.02%	$2,500	Learn More Add Review
First National Bank Of Omaha Olathe Branch	0.02%	$0	Learn More Add Review
Landmark National Bank 2710 Iowa Branch	0.02%	$2,500	Learn More Add Review
First Business Bank Leawood Branch	0.02%	$2,500	Learn More Add Review
Bmo Bank National Association Monticello Branch	0.01%	$0	Learn More
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
Commerce Bank 6th St Dillons Branch	0.01%	$2,500	Learn More Add Review
Enterprise Bank & Trust East Branch	0.01%	$2,500	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Credit Unions →

Branches Info around Gardner, KS - June 15, 2025

Branch	Street	City	State
Sunflower Bank, National Association Lawrence - Mass Street Office Branch	643 Massachusetts Street	Lawrence	KS
Capitol Federal Savings Bank Lawrence Target Branch	3201 S Iowa St	Lawrence	KS
Sunflower Bank, National Association Lawrence - Mass Street Office Branch	643 Massachusetts Street	Lawrence	KS
U.S. Bank National Association Northwest Branch	3500 West 6th Street	Lawrence	KS
Union Bank and Trust Company Commercial State Bk. Of Bonner Sprin Branch	309 Oak Street	Bonner Springs	KS
BMO Bank National Association Monticello Branch	21900 Shawnee Mission Parkway	Shawnee	KS
Union Bank and Trust Company Commercial State Bk. Of Bonner Sprin Branch	309 Oak Street	Bonner Springs	KS
Intrust Bank, National Association 544 Columbia Drive Branch	544 Columbia Drive	Lawrence	KS
Capitol Federal Savings Bank Lawrence Target Branch	3201 S Iowa St	Lawrence	KS
BMO Bank National Association Monticello Branch	21900 Shawnee Mission Parkway	Shawnee	KS
Arvest Bank Ottawa Branch	119 East Third Street	Ottawa	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Arvest Bank Ottawa Branch	119 East Third Street	Ottawa	KS
Arvest Bank Ottawa Branch	119 East Third Street	Ottawa	KS
Arvest Bank Ottawa Branch	119 East Third Street	Ottawa	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Intrust Bank, National Association 544 Columbia Drive Branch	544 Columbia Drive	Lawrence	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Union Bank and Trust Company Commercial State Bk. Of Bonner Sprin Branch	309 Oak Street	Bonner Springs	KS
Capitol Federal Savings Bank Lawrence Target Branch	3201 S Iowa St	Lawrence	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
BMO Bank National Association Monticello Branch	21900 Shawnee Mission Parkway	Shawnee	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Wells Fargo Bank, National Association Olathe Branch	2137 East Santa Fe Drive	Olathe	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
First Federal Bank of Kansas City 132 Oak St Branch	132 Oak Street	Bonner Springs	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
Mutual Savings Association 8th & Main Branch	801 Main	Eudora	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
BMO Bank National Association Monticello Branch	21900 Shawnee Mission Parkway	Shawnee	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
Capitol Federal Savings Bank Lawrence Target Branch	3201 S Iowa St	Lawrence	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
Intrust Bank, National Association 544 Columbia Drive Branch	544 Columbia Drive	Lawrence	KS
First Federal Bank of Kansas City 132 Oak St Branch	132 Oak Street	Bonner Springs	KS
Community National Bank Tonganoxie Branch	231 N. Main Street	Tonganoxie	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
Capitol Federal Savings Bank Lawrence Target Branch	3201 S Iowa St	Lawrence	KS
The Baldwin State Bank Eighth Street Branch	112 North Eighth Street	Baldwin City	KS
NBKC Bank Nbkc Bank Branch	10700 Nall Ave	Overland Park	KS
Community National Bank Tonganoxie Branch	231 N. Main Street	Tonganoxie	KS
Union Bank and Trust Company Commercial State Bk. Of Bonner Sprin Branch	309 Oak Street	Bonner Springs	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
Community National Bank Tonganoxie Branch	231 N. Main Street	Tonganoxie	KS
Farmers Bank & Trust Cedar Lake Village Branch	15325 South Lone Elm Road	Olathe	KS
Mid-America Bank Mid-America Bank Branch	802 Ames Street	Baldwin City	KS
Arvest Bank Ottawa Branch	119 East Third Street	Ottawa	KS
Mutual Savings Association 8th & Main Branch	801 Main	Eudora	KS
The First Security Bank Paola Branch	29 Wea Street	Paola	KS
CoreFirst Bank & Trust Corefirst Bank & Trust Branch	11875 South Ridgeview Road	Olathe	KS
Mid-America Bank Mid-America Bank Branch	802 Ames Street	Baldwin City	KS
The Baldwin State Bank Eighth Street Branch	112 North Eighth Street	Baldwin City	KS
TriCentury Bank Tricentury Bank Branch	33485 Lexington Avenue	De Soto	KS
CrossFirst Bank Crossfirst Bank Branch	4707 West 135th St	Leawood	KS
First Federal Bank of Kansas City 132 Oak St Branch	132 Oak Street	Bonner Springs	KS
U.S. Bank National Association Northwest Branch	3500 West 6th Street	Lawrence	KS
Great American Bank Great American Bank Branch	3500 Clinton Parkway	Lawrence	KS
First Heritage Bank First Heritage Bank Commercial Divis Branch	7450 West 130th Street, Suite 100	Overland Park	KS
Community National Bank Tonganoxie Branch	231 N. Main Street	Tonganoxie	KS
Kaw Valley State Bank Kaw Valley State Bank Branch	737 Main Street	Eudora	KS
Mid-America Bank Mid-America Bank Branch	802 Ames Street	Baldwin City	KS
The Baldwin State Bank Eighth Street Branch	112 North Eighth Street	Baldwin City	KS
Security Bank of Kansas City Wea St Branch	3 E Wea Street	Paola	KS
First Federal Bank of Kansas City 132 Oak St Branch	132 Oak Street	Bonner Springs	KS
NBH Bank South Store Branch	1506 South Main	Ottawa	KS
Country Club Bank 21911 S. 66th Street Branch	21911 W. 66th Street	Shawnee	KS
Great American Bank Great American Bank Branch	3500 Clinton Parkway	Lawrence	KS
UMB Bank, National Association Shawnee Branch	22320 W 66th Street	Shawnee	KS
First State Bank and Trust Lawrence Monterey Branch	3901 West Sixth Street	Lawrence	KS
Citizens Federal Savings Bank State Avenue Branch	15500 State Ave	Basehor	KS
Farmers Bank & Trust Cedar Lake Village Branch	15325 South Lone Elm Road	Olathe	KS
CoreFirst Bank & Trust Corefirst Bank & Trust Branch	11875 South Ridgeview Road	Olathe	KS
Kaw Valley State Bank Kaw Valley State Bank Branch	737 Main Street	Eudora	KS
Mid-America Bank Mid-America Bank Branch	802 Ames Street	Baldwin City	KS
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	12801 Kansas Avenue	Bonner Springs	KS
CrossFirst Bank Crossfirst Bank Branch	4707 West 135th St	Leawood	KS
Great Southern Bank Ottawa Branch	2040 S. Princeton	Ottawa	KS
Bank of Prairie Village Bank Of Prairie Village Branch	3515 W. 75th Street	Prairie Village	KS
Argentine Federal Savings Overland Park Branch	12501 Antioch Rd	Overland Park	KS
Great Southern Bank Ottawa Branch	2040 S. Princeton	Ottawa	KS
First-Citizens Bank & Trust Company Overland Park Branch	7850 College Blvd	Overland Park	KS
The Kansas State Bank Detached Facility Branch	1314 South Main Street	Ottawa	KS
Great American Bank Great American Bank Branch	3500 Clinton Parkway	Lawrence	KS
BOKF, National Association Overland Park Office Branch	11225 College Blvd	Overland Park	KS
UMB Bank, National Association Shawnee Branch	22320 W 66th Street	Shawnee	KS
First Heritage Bank First Heritage Bank Commercial Divis Branch	7450 West 130th Street, Suite 100	Overland Park	KS
Country Club Bank 21911 S. 66th Street Branch	21911 W. 66th Street	Shawnee	KS
Mutual Savings Association 8th & Main Branch	801 Main	Eudora	KS
The First Security Bank Paola Branch	29 Wea Street	Paola	KS
CoreFirst Bank & Trust Corefirst Bank & Trust Branch	11875 South Ridgeview Road	Olathe	KS
Goppert State Service Bank North Ottawa Branch	1230 East Logan Street	Ottawa	KS
Kendall Bank The State Bank Of Spring Hill Branch	201 South Webster Street	Spring Hill	KS
First Federal Savings and Loan Bank First Federal Savings And Loan Bank Branch	700 East Santa Fe Street	Olathe	KS
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	12801 Kansas Avenue	Bonner Springs	KS
Cornerstone Bank Cornerstone Bank Branch	9120 W. 135th Street	Overland Park	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
UMB Bank, National Association Shawnee Branch	22320 W 66th Street	Shawnee	KS
Bank of Prairie Village Bank Of Prairie Village Branch	3515 W. 75th Street	Prairie Village	KS
First-Citizens Bank & Trust Company Overland Park Branch	7850 College Blvd	Overland Park	KS
Great Southern Bank Ottawa Branch	2040 S. Princeton	Ottawa	KS
Central National Bank Lawrence Wal-Mart Branch	3300 Iowa St. P.O. Box 4404	Lawrence	KS
NBH Bank South Store Branch	1506 South Main	Ottawa	KS
The Kansas State Bank Detached Facility Branch	1314 South Main Street	Ottawa	KS
ANB Bank Lenexa Premier Branch	15301 W 87th Street Parkway	Lenexa	KS
Cornerstone Bank Cornerstone Bank Branch	9120 W. 135th Street	Overland Park	KS
Equity Bank Overland Park Branch	8880 W. 151st Street	Overland Park	KS
Central National Bank Lawrence Wal-Mart Branch	3300 Iowa St. P.O. Box 4404	Lawrence	KS
The First National Bank of Louisburg The First National Bank Of Louisburg Branch	1201 West Amity Street	Louisburg	KS
First National Bank of Omaha Olathe Branch	13518 South Alden Street	Olathe	KS
Bank of Prairie Village Bank Of Prairie Village Branch	3515 W. 75th Street	Prairie Village	KS
Bank of Labor Olathe Branch	17900 West 119th Street	Olathe	KS
UMB Bank, National Association Shawnee Branch	22320 W 66th Street	Shawnee	KS
Landmark National Bank 2710 Iowa Branch	2710 Iowa	Lawrence	KS
First Heritage Bank First Heritage Bank Commercial Divis Branch	7450 West 130th Street, Suite 100	Overland Park	KS
First State Bank and Trust Lawrence Monterey Branch	3901 West Sixth Street	Lawrence	KS
Citizens Federal Savings Bank State Avenue Branch	15500 State Ave	Basehor	KS
Farmers Bank & Trust Cedar Lake Village Branch	15325 South Lone Elm Road	Olathe	KS
NBH Bank South Store Branch	1506 South Main	Ottawa	KS
ANB Bank Lenexa Premier Branch	15301 W 87th Street Parkway	Lenexa	KS
Academy Bank, National Association Bonner Springs Wal-Mart Branch # 58	12801 Kansas Avenue	Bonner Springs	KS
Fidelity Bank, National Association Metcalf Branch	14435 Metcalf Avenue	Overland Park	KS
Cornerstone Bank Cornerstone Bank Branch	9120 W. 135th Street	Overland Park	KS
First Business Bank Leawood Branch	11300 Tomahawk Creek Pkwy	Leawood	KS
U.S. Bank National Association Northwest Branch	3500 West 6th Street	Lawrence	KS
Bank of America, National Association Lawrence Branch	900 Ohio Street	Lawrence	KS
Equity Bank Overland Park Branch	8880 W. 151st Street	Overland Park	KS
Commerce Bank 6th St Dillons Branch	3000 W 6th St	Lawrence	KS
Landmark National Bank 2710 Iowa Branch	2710 Iowa	Lawrence	KS
Enterprise Bank & Trust East Branch	110 North Clairborne	Olathe	KS
Great Southern Bank Ottawa Branch	2040 S. Princeton	Ottawa	KS
First National Bank of Omaha Olathe Branch	13518 South Alden Street	Olathe	KS
Landmark National Bank 2710 Iowa Branch	2710 Iowa	Lawrence	KS
First Business Bank Leawood Branch	11300 Tomahawk Creek Pkwy	Leawood	KS
Wells Fargo Bank, National Association Olathe Branch	2137 East Santa Fe Drive	Olathe	KS
BMO Bank National Association Monticello Branch	21900 Shawnee Mission Parkway	Shawnee	KS
Commerce Bank 6th St Dillons Branch	3000 W 6th St	Lawrence	KS
Enterprise Bank & Trust East Branch	110 North Clairborne	Olathe	KS

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

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 & CD 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 receive. 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.