Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 72 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 - Mid American Credit UnionSpecial Rate CertificateCD · 37 months · $1,000 min
Credit union · 9 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
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More details - Heartland Credit UnionCertificateCD · 48 months · $500 min · 4.50%–4.55% by balance
Credit union · 10 branches
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 - Communication Federal Credit UnionShare CertificateCD · 13 months · $1,000 min
Credit union · 1 branch
4.35%APY$472 over 13 months on $10,000intro rateRequirements
Product: Rates subject to change at any time. A penalty may be imposed for early withdrawal. $1,000 minimum deposit required to open. Interest is paid monthly on the daily balance from the date of issue. Automatically renews at maturity.
Offer: Certificate Special. Fixed rate type. 13 month certificate will mature to a 12 month certificate. Early withdrawal penalty may apply.
Promotional rate · 4.26% interest rate · Effective Oct 27, 2026
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More details - 4.35%APY$1,123 over 30 months on $10,000intro rate
Requirements
Product: Requires an open regular share account and a minimum deposit of $1,000.00 unless noted otherwise. Early withdrawals may be subject to penalty. Dividends compounded and paid quarterly.
Offer: Special promotional rate. Applies to Share Certificates only. Roth and Traditional IRA certificates are not eligible. Promotion subject to change. Limited time offer. Early withdrawal penalties may apply. Dividends compounded and paid quarterly.
Promotional rate · Effective Oct 15, 2026
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More details - 4.31%APY$1,350 over 36 months on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalties apply.
4.25% interest rate · Effective Oct 23, 2026
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More details - Credit Union of America25-Month Special CertificateCD · 25 months · $500 min
Credit union · 16 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
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More details - Heartland Credit Union11-Month Promo CertificateCD · 11 months · $500 min · 4.25%–4.30% by balance
Credit union · 10 branches
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$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
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.
4.18% interest rate · Compounded quarterly · Effective Sep 30, 2025
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More details - 4.25%APY$1,330 over 36 months on $10,000intro rate
Requirements
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: 36 Months
Promotional rate · 4.25% interest rate · Effective Oct 14, 2026
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More details - 4.25%APY$1,330 over 36 months 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 · 4.18% interest rate · Effective Apr 9, 2026
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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 Kansas
350 CDs at 48 banks and credit unions · checked Oct 16–30
- Typical
- 3.25%
- Top 10% from
- 4.00%
- Credit unions, typical
- 3.25%
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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