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 16–30 results in Wichita, KS
- 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 - Credit Union of America15-Month Special CertificateCD · 15 months · $500 min
Credit union · 8 branches
4.05%APY$509 over 15 months on $10,000intro rateRequirements
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 - 4.00%APY$299 over 9 months on $10,000
Requirements
Product: Substantial penalty for early withdrawal. Rates may vary by bank location. In most cases, CDs automatically renew with a 10-day grace period. Early withdrawal penalty is 3 months interest for terms <= 12 months, 6 months interest for terms > 12 months. $500 minimum opening deposit with automatic renewal, or $2,500 minimum opening deposit without automatic renewal for 3-, 6-, and 9-month terms.
Offer: Featured Rate. $500 minimum opening deposit with automatic renewal; $2,500 minimum opening deposit without automatic renewal.
Rate checked
More details - Meritrust Credit Union – Colorado10 Month CertificateCD · 10 months · $500 min
Credit union · 7 branches
4.00%APY$332 over 10 months on $10,000intro rateRequirements
Product: Minimum balance to open of $500. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings. Fixed rate.
Offer: Limited time offer. Not available for IRA or Retirement accounts. Early withdrawal penalties may apply. Fees could reduce earnings.
Promotional rate · 3.93% interest rate · Effective Jun 18, 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 - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Interest paid by crediting another account, either at another financial institution or with Community Bank of Wichita, or compounded into the certificate. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings and a penalty may be imposed for early withdrawal.
3.78% interest rate
Rate checked
More details - Commerce Bank18 Month Promotional CDCD · 18 months · $1,000 min · 0.03%–3.85% by balance
Bank · 6 branches
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 - 3.80%APY$220 over 7 months on $10,000
Requirements
Product: Must be at least 16 years of age, a Kansas resident, and not a resident alien to open online (others may open in person or by phone). Interest compounded quarterly for terms of 6 months or greater; paid at maturity for 4-week and 13-week terms. Automatic renewal with 10-day grace period. Early withdrawal subject to penalty. Fees may reduce earnings.
Offer: Special Promotion. Requires $5,000 minimum balance to open and earn APY. IRAs are not included in this special.
3.75% interest rate · Compounded quarterly · Effective Nov 21, 2025
Rate checked
More details - 3.80%APY$284 over 9 months on $10,000
Requirements
Product: All CDs have a penalty for early withdrawal. Fees incurred may reduce earnings.
Offer: 9 Month term. Penalty assessed for early withdrawal.
3.75% interest rate · Effective Sep 16, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Rates are subject to change without notice. Rates may change on the preceding accounts after the account is opened. Fees may reduce earnings on these accounts.
Offer: 1 Year term. Balance to obtain APY: $1,000.
3.75% interest rate · Effective Dec 9, 2025
Rate checked
More details - 3.79%APY
Requirements
Product: An additional 0.10% may be added to stated CD interest rate for primary or joint owners of a City Preferred checking account. Interest compounding monthly available for terms of 18 months or longer; non-compounding options available. Penalty for early withdrawal.
Offer: Fixed rate, non-compounding. Term 180 - 364 days.
3.75% interest rate
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$280 over 9 months on $10,000intro rate
Requirements
Offer: PROMO rate and term valid on new funds deposits only. After 6 or 9 month terms, auto renewal for 12 months at current posted rate. Minimum deposit of $1,000. No additional deposits allowed during certificate term. Quarterly compounding.
Promotional rate · 3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - Commerce Bank11 Month Promotional CDCD · 11 months · $2,500 min · 0.02%–3.75% by balance
Bank · 6 branches
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: Interest compounding and payment frequency of interest varies depending on the product type.
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 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%
Is your bank paying you enough?
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