Compare Bank & Credit Union Rates
Best CD rates in Wichita, KS
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Wichita, KS
- 4.55%APY$1,177 over 30 months on $10,000
Requirements
Product: Fixed rate investments. Certificates auto-renew. Minimum investment amount based on term. Penalty for early withdrawal may reduce earnings.
Offer: Penalty for early withdrawal may reduce earnings.
4.47% interest rate · Effective Oct 2, 2026
Rate checked
More details - Mid American Credit UnionSpecial Rate CertificateCD · 37 months · $1,000 min
Credit union · 5 branches
4.50%APY$1,454 over 37 months on $10,000with conditionsRequirements
Product: Members can use new or current MACU funds. Penalty for early withdrawal may apply. Fees could reduce earnings. Dividends calculated daily and paid monthly. Not offered on CESA certificates.
Offer: Minimum deposit: $1,000. Maximum deposit: $1,000,000. Renews as a regular 36-month certificate. Not offered on CESA certificates or Youth certificates.
Qualified rate · Balance cap $1,000,000 · Effective Oct 5, 2026
Rate checked
More details - 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 - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Interest will compound quarterly and will be credited to the account quarterly. The daily balance method is used to calculate interest. Automatically renewable with a 10 calendar day grace period after expiration to add or change the term with no penalty. Substantial penalty may be imposed for early withdrawals. 6 month, 1, 2, 3, 4, 5 and 7 year CDs can be opened online. Available as collateral for a loan.
4.28% interest rate · Effective Oct 5, 2026
Rate checked
More details - Credit Union of America25-Month Special CertificateCD · 25 months · $500 min
Credit union · 8 branches
4.30%APY$917 over 25 months on $10,000intro rateRequirements
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
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More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Federally insured deposits. $500 minimum deposit on all terms. Early withdrawals may be subject to penalties.
4.18% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: Quantum membership required. Penalty for early withdrawal.
Offer: Limited time only. Maximum $75,000 per member for 7-month CD Special.
Promotional rate · Balance cap $75,000
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More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: Penalty for early withdrawal applies to all Certificates. Fees could reduce earnings.
Offer: Dividend paid at maturity; 90-day penalty. 7 Months Special.
Effective Mar 16, 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 - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. For new customers, requires at least $500 new money. For existing customers, requires at least $500 of which $0.75 of every $1.00 is new money.
Offer: Balances under $100k. Requires $500 minimum new money deposit for new customers, or $0.75 per $1.00 new money for existing customers.
Promotional rate · 4.24% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$534 over 15 months on $10,000intro rate
Requirements
Product: Limited-time offer. Membership required. Penalties may apply for early withdrawal. Fees may reduce earnings. Dividends paid quarterly. Consumer certificates renew to a 12-month certificate at maturity. Funds in excess of $250,000 may be discounted and/or require special approval. Deposits over $1,000,000 require approval.
Offer: 15 Month CD Special. $500 minimum deposit. Dividends paid quarterly. Renews to a 12-month certificate at maturity. Funds in excess of $250,000 may be discounted and/or require special approval. Deposits over $1,000,000 require approval.
Promotional rate · 4.18% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.25%APY$868 over 24 months on $10,000
Requirements
Offer: Dividend Period: Quarterly; Early W/D Penalty: 180 Days Interest
4.18% interest rate · Effective Sep 30, 2025
Rate checked
More details - 4.20%APY$1,789 over 48 months on $10,000
Requirements
Product: FDIC insured time-deposit accounts. Minimum opening deposit of $1,000 required. Accounts opened online reside in Kansas for legal purposes; IRAs and trust accounts cannot be opened online. CDs generally renew automatically at maturity with a 10-calendar-day grace period. Early withdrawal penalties apply to principal withdrawals. No monthly maintenance fees.
Offer: Term: 48 Months. Interest compounded daily and paid quarterly. Early withdrawal penalty is 180 days of interest.
4.11% interest rate · Compounded daily · Effective Sep 18, 2026
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More details - 4.15%APY$380 over 11 months on $10,000intro rate
Promotional rate
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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 Wichita, KS
358 CDs at 33 banks and credit unions · checked Oct 5–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- 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.
Wichita, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Campus Credit UnionCredit union · 1 branch
- Credit Union of AmericaCredit union · 10 branches
- Capitol FederalBank · 9 branches