Credit union · NCUA insured
Wheat State Credit Union CD Rates
Wheat State Credit Union’s best CD rate is 3.00% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Wheat State Credit Union’s CD rates compare
Compared with banks and credit unions near Wichita, KS, where Wheat State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wheat State Credit Union
3.00%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $927
Share Certificate
Top rate
Stryv Bank
4.55%APY
- Term
- 30 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,177
2nd-highest rate
Mid American Credit Union
4.50%APY
- Term
- 37 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $1,454
Wheat State Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
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 Wheat State Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.00%APY · 7 terms
Dividends paid quarterly, 90 days dividend penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 2.00% | $100 |
| 12 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 2.50% | $250 |
| 18 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 2.60% | $393 |
| 24 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 2.75% | $558 |
| 36 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 3.00% | $927 |
| 48 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 3.00% | $1,255 |
| 60 monthsDividends paid quarterly, 90 days dividend penalty for early withdrawal | 3.00% | $1,593 |
Sources (1)
- wheatstatecu.com/rates/share-and-certificate-rates · captured Sep 18, 2026
Who can join Wheat State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who reside in, worship in, or whose place of employment is in Sedgwick, Riley, Geary, Sumner, Harper, Kingman, McPherson, Pratt, Stafford, Butler, Harvey, Marion, Dickinson, Cowley, Barber, Reno, Chase, Morris, Clay, or Cloud, or Rice county in Kansas.
Employers and groups
- Membership is open to all employees of any Kansas organization or its subsidiaries whose main endeavor is the delivery of healthcare.
Family and household
- Membership is open to spouses, children, stepchildren, parents, stepparents, grandparents, grandchildren, and siblings of a WSCU member.
Cost to join
- A minimum deposit of $25 is required to open a share account.
Membership information collected October 4, 2026.