Bank · FDIC insured
Citizens State Bank Cheney Savings Rates
Citizens State Bank Cheney’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Citizens State Bank Cheney’s savings rates compare
Compared with banks and credit unions near Wichita, KS, where Citizens State Bank Cheney has the most branches. $10,000, best rate first.
This bank’s best
Citizens State Bank Cheney
0.40%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
Money Market
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Capitol Federal
3.70%APY
- Minimum
- $100
- Earns on $10,000 a year
- $370
Citizens State Bank Cheney savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citizens State Bank Cheney ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.40%APY
Rates on Money Market Deposit Account, Now Account and Savings Account can change after the account is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance $2,500.00 to avoid service charge.$2,500 and up | 0.40% | $40 | Minimum balance $2,500.00 to avoid service charge. |
Sources (1)
- csbcheneyks.com/rates · captured Oct 5, 2026
Passbook Savings
0.35%APY
$3 service fee waived with $100 minimum daily balance. Interest credited quarterly. An excessive withdrawal fee of $0.50 per item will be charged for each withdrawal in excess of six during a quarterly statement cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$3 service fee waived with $100 minimum daily balance. Minimum deposit of $100.00 may receive interest on any amount.Any balance | 0.35% | $35 | $3 service fee waived with $100 minimum daily balance. Minimum deposit of $100.00 may receive interest on any amount. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.