Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 55 results in Kansas
- 4.55%APY$455 over 1 year on $10,000
4.47% interest rate · Effective Dec 15, 2025
Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
4.14% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.06%APY$406 over 1 year on $10,000
Requirements
Product: Compounded daily and paid quarterly. Subject to change daily.
Offer: Subject to change daily. 90 day penalty for early withdrawal before maturity.
4.00% interest rate · Compounded daily
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More details - 4.01%APY$401 over 1 year on $10,000intro rate
Requirements
Product: Fixed rates; longer terms earn higher rates. No setup or maintenance fees. Early withdrawals are subject to penalty.
Promotional rate · 3.95% interest rate · Effective Apr 9, 2026
Rate checked
More details - Quantum Credit UnionShare Certificate (CD)CD · 12 months · 3.75%–4.00% by balance
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Penalty for early withdrawal applies to all Certificates. Fees could reduce earnings.
Offer: Dividend paid quarterly; 90-day penalty.
Rate by balance
Rate by balance for Share Certificate (CD) Balance APY Any balance 3.75% $500 and upYour amountQuantum membership required. Auto renews at standard rate for 12 months. Limited time only. 4.00% Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Minimum required deposit is $500. Penalties apply for early withdrawal. Rates vary based on member relationship with the Credit Union and include all available bonuses.
Offer: Certificate rates vary based on member relationship with the Credit Union. Rates shown include all available bonuses.
3.83% interest rate · Effective Jul 10, 2026
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalties will apply. A share account must be opened and maintain a balance of $5.00 before other services are offered.
Offer: Dividends paid quarterly. Early withdrawal penalties will apply.
3.75% interest rate
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Minimum opening deposit: $500. Terms available from 3 months to 5 years. Fixed dividend rates compounded and credited monthly or quarterly as indicated. Automatic renewal available at maturity. NCUA insured.
Offer: Dividends compounded quarterly. Early withdrawal penalty: 180 days interest. Minimum opening deposit: $500.
3.75% interest rate · Compounded quarterly · Effective Sep 30, 2025
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalties apply.
3.75% interest rate · Effective Oct 23, 2026
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More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Membership required ($25 deposit to purchase membership share; open to residents of Butler County, Harvey County, and adjacent counties). Early withdrawal penalties apply.
3.73% interest rate · Effective Mar 2, 2026
Rate checked
More details - United Consumers Credit UnionCertificates of Deposit (CD)CD · 12 months · $500 min
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawals subject to penalty. No monthly maintenance fees.
Offer: Dividends compounded monthly and paid monthly. Early withdrawal penalties apply.
Compounded monthly · Balance cap $24,999.99
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
3.68% interest rate · Effective Oct 30, 2026
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More details - Emporia State Federal Credit UnionCertificatesCD · 12 months · $25 min · 3.75%–4.00% by balance
Credit union · 2 branches
3.75%APY$375 over 1 year on $10,000intro rateRequirements
Product: Personal accounts only. Penalty for early withdrawal of 6 months interest which can reduce the principal. At maturity, certificate reinvests for the same term at the fixed-rate in effect at the time unless indicated otherwise. Insured up to $250,000 per account. IRA Certificates are excluded.
Offer: SAVE TO WIN 12 Months (Disclosure Below)
Promotional rate · 3.75% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates Balance APY $25 and up 3.75% $1,000 and upYour amount12 Months 3.75% $100,000 and upJumbo 12 Months 4.00% Rate checked
More details - Frontier Community Credit UnionRegular CertificateCD · 12 months · $500 min
Credit union · 4 branches
3.70%APY$370 over 1 year on $10,000 - 3.64%APY$364 over 1 year on $10,000
Requirements
Product: A Membership Savings /Share Account with a $5 minimum balance is required to establish and maintain membership. Early withdrawals subject to penalty. No setup or maintenance fees.
Offer: Quarterly credited & compounded. Early withdrawal penalty may be assessed.
3.60% interest rate
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Kansas
55 CDs at 48 banks and credit unions · checked Oct 16–30
- Typical
- 3.25%
- Top 10% from
- 3.86%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
Kansas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch
- Campus Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch