Compare Bank & Credit Union Rates
Best CD rates in Hays, KS
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Hays, KS
- Heartland Credit UnionCertificateCD · 48 months · $500 min · 4.50%–4.55% by balance
Credit union · 1 branch
4.50%APY$1,925 over 48 months on $10,000Requirements
Product: Minimum $500 opening deposit ($100 for youth accounts). Penalty for early withdrawal may reduce earnings. Rates accurate as of 9.24.2026.
Effective Sep 24, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $249,999Your amount 4.50% $250,000 and up 4.55% Rate checked
More details - 4.30%APY$917 over 25 months on $10,000intro rate
Requirements
Product: Limited-time offer. Renews to 24-month certificate at maturity. Minimum $500 to open. Deposits over $1,000,000 require approval. Funds in excess of $250,000 may be discounted and/or require special approval. Membership required. Early withdrawal penalties may apply. Dividends paid monthly.
Offer: Renews to 24-month certificate at maturity. Deposits over $1,000,000 require approval.
Promotional rate · 4.22% interest rate · Effective Sep 29, 2026
Rate checked
More details - Heartland Credit Union11-Month Promo CertificateCD · 11 months · $500 min · 4.25%–4.30% by balance
Credit union · 1 branch
4.25%APY$389 over 11 months on $10,000Requirements
Product: Membership required. Penalty for early withdrawal may reduce earnings. Minimum $500 opening deposit ($100 for youth accounts). Rates subject to change.
Offer: Opening deposit $500 minimum ($100 for youth accounts).
Effective Sep 24, 2026
Rate by balance
Rate by balance for 11-Month Promo Certificate Balance APY $500 – $249,999Your amount 4.25% $250,000 and up 4.30% Rate checked
More details - 4.05%APY$474 over 14 months on $10,000with conditions
Requirements
Product: Interest on CD Specials is compounded monthly. A new or existing Central National Bank checking account is required for the .25% premium shown on CD specials. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO. Not available for public fund customers.
Offer: Requires new or existing active Central National Bank checking account for the 0.25% premium. Limited time offer. 14-MONTH BIRTHDAY SPECIAL.
Qualified rate · 3.98% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - 4.05%APY$509 over 15 months on $10,000intro rate
Requirements
Product: Limited-time offer. Renews to 12-month certificate at maturity. Minimum $500 to open. Deposits over $1,000,000 require approval. Funds in excess of $250,000 may be discounted and/or require special approval. Membership required. Early withdrawal penalties may apply. Dividends paid monthly.
Offer: Renews to 12-month certificate at maturity. Deposits over $1,000,000 require approval.
Promotional rate · 3.98% interest rate · Effective Sep 1, 2026
Rate checked
More details - Heartland Credit Union16-Month Promo CertificateCD · 16 months · $500 min · 4.00%–4.05% by balance
Credit union · 1 branch
4.00%APY$537 over 16 months on $10,000Requirements
Product: Minimum $500 opening deposit, $100 for youth accounts. Penalty for early withdrawal may reduce earnings. Rates accurate as of 9.24.2026.
Effective Sep 24, 2026
Rate by balance
Rate by balance for 16-Month Promo Certificate Balance APY $500 – $249,999Your amount 4.00% $250,000 and up 4.05% Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 1 branch
3.85%APY$583 over 18 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 18 Month Promotional CD Balance APY Up to $9,998 0.03% $9,999 – $24,998Your amount 3.85% $24,999 – $49,998 3.85% $49,999 and up 3.85% Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 1 branch
3.75%APY$343 over 11 months on $10,000intro rateRequirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate by balance
Rate by balance for 11 Month Promotional CD Balance APY Up to $9,998 0.02% $9,999 – $24,998Your amount 3.75% $24,999 – $49,998 3.75% $49,999 and up 3.75% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Rates listed are valid for personal accounts only. Available in various terms from 3 months to 7 years. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account.
Offer: The minimum deposit required to open this account is $1,000. The minimum balance to obtain the APY is $1,000. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
3.70% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Membership required. Minimum $500 to open. Dividends paid monthly. Penalties may apply for early withdrawal. Funds in excess of $250,000 may be discounted and/or require special approval.
3.45% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Minimum of $100 to open. Add-ons allowed anytime with deposits of $10 or more. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
Offer: Minimum amount to add on $10.
3.20% interest rate · Effective Sep 29, 2026
Rate checked
More details - Credit Union of AmericaSave to Win Add-on CertificateCD · 12 months · $25 min
Credit union · 1 branch
3.25%APY$325 over 1 year on $10,000Requirements
Product: Limit one Save to Win® certificate per primary member SSN. $25 penalty for first early withdrawal during certificate term; after second withdrawal certificate will be closed and member must wait six months to reopen. Minimum amount to add on $10. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
Offer: Each $25 balance increase earns an entry into prize drawings up to $5,000 (up to 100 entries/month and 300 entries/quarter). Minimum add-on $10.
3.20% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.05%APY$50 over 2 months on $10,000intro rate
Requirements
Product: Rates are subject to change. Applied location: ZIP 64106.
Promotional rate
Rate checked
More details - 3.03%APY$775 over 30 months on $10,000
Requirements
Product: $500 minimum investment ($100 for youth accounts, $50 with automatic deposit). Add on anytime without resetting term or rate. Add-on minimum is $500 in person/phone ($100 for youth); no minimum for add-ons via online banking, direct deposit, or automatic transfer. Penalty for early withdrawal.
Offer: $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts). Add funds anytime without extending term.
Rate checked
More details - 2.75%APY$702 over 30 months on $10,000
Requirements
Product: Eligible for one rate bump to the 24-month rate during the term. Minimum $2,500 to open. Dividends paid monthly. Membership required. Funds in excess of $250,000 may be discounted and/or require special approval.
Offer: Eligible for one rate bump to the 24-month certificate rate during the term.
2.72% interest rate · Effective Sep 29, 2026
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 CDs pay in Hays, KS
44 CDs at 5 banks and credit unions · checked Oct 16
- Typical
- 3.02%
- Top 10% from
- 4.04%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
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Hays, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Credit Union of AmericaCredit union · 1 branch
- Heartland Credit UnionCredit union · 1 branch