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 1–7 results in Emporia, KS metro
- 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 - 4.20%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 - Emporia State Federal Credit Union18 Months Special CertificateCD · 18 months · $1,000 min
Credit union · 2 branches
4.00%APY$606 over 18 months on $10,000intro ratePromotional rate · 4.00% interest rate · Effective Oct 14, 2026
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More details - 3.80%APY
Requirements
Product: If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
Offer: Interest compounded quarterly.
3.75% interest rate · Compounded quarterly
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More details - 3.70%APY$1,992 over 60 months on $10,000
Requirements
Offer: Interest compounded quarterly.
3.65% interest rate · Compounded quarterly
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More details - 3.64%APY$741 over 24 months on $10,000
Requirements
Product: Dividends are paid quarterly. Early withdrawal penalties apply.
3.60% interest rate · Effective Jun 30, 2026
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More details - 3.51%APY$262 over 9 months on $10,000intro rate
Requirements
Product: Available to KS, MO, or OK residents and existing customers. Terms available from 90 days to 5 years. No setup or maintenance fees. $1,000 minimum deposit to open. Substantial penalty may be charged for early withdrawal. Interest is compounded quarterly. Fees imposed could reduce earnings. FDIC insured.
Offer: 9 Month CD Special. Interest is compounded quarterly. Substantial penalty may be charged for early withdrawal. Fees imposed could reduce earnings.
Promotional rate · 3.46% interest rate · Compounded quarterly · Effective Jan 30, 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 Emporia, KS metro
39 CDs at 5 banks and credit unions · checked Oct 16–17
- Typical
- 3.65%
- Top 10% from
- 4.00%
- Banks, typical
- 3.63%
- Credit unions, typical
- 3.75%
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Emporia, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Capitol FederalBank · 1 branch