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 16–28 results in Lawrence, KS
- 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - NBH BankFixed Rate 15 Month Time Deposit (Online Account Opening)CD · 15 months · $500 min
Bank · 1 branch
2.76%APY$346 over 15 months on $10,000Requirements
Product: Online Account Opening schedule for 15 Month Certificate of Deposit Time Account.
Offer: Must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield. Interest compounded annually and credited annually and at maturity.
2.75% interest rate · Compounded annually
Rate checked
More details - Central National BankCertificates of DepositCD · 60–Unknown months · $1,000 min · 1.80%–2.00% by balance
Bank · 3 branches
1.90%APYRequirements
Product: Interest on regular certificates of deposit with maturities of one year or longer is compounded semi-annually. APY on certificates under one year assumes certificates are renewed through one year. Amount deposited initially remains on deposit until maturity. Penalties apply for early withdrawals; fees may reduce earnings. CDs over $500,000 require prior approval from President, SVP - Retail Banking, or CFO.
Offer: Term: 5.00+ Years.
1.79% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $10,000 1.80% $10,000 – $49,999Your amount 1.90% $50,000 and up 2.00% Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Additions may be made at any time in increments of $50 or more. Rate may change after a CD is opened. Penalties apply for early withdrawals; fees may reduce earnings.
Offer: Additions in increments of $50 or more.
1.00% interest rate
Rate checked
More details - 0.40%APY$40 over 1 year on $10,000
Requirements
Product: Special one-year certificate. Build up balance with automatic transfers from other Mid American accounts timed to payday. Requires a $10.00 minimum deposit transferred into the certificate at least monthly. Transfers may occur weekly, bi-weekly, semi-monthly or monthly and must come from a non-tax favored savings or checking account. Early withdrawal penalty may apply.
Offer: Minimum opening deposit: $100. Requires $10.00 minimum deposit transferred at least monthly from a non-tax favored savings or checking account.
Effective Oct 5, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.30%APY$181 over 72 months on $10,000
Requirements
Product: Time Deposits under $100,000. Not available for individual retirement or business accounts. A penalty will be imposed on early withdrawals. If the account term is greater than 12 months, interest cannot remain on deposit and payout of interest is mandatory.
Offer: Interest cannot remain on deposit; payout of interest is mandatory.
0.30% interest rate · Balance cap $99,999.99 · Effective Oct 5, 2026
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More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 Lawrence, KS
198 CDs at 16 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.02%
- Banks, typical
- 1.23%
- Credit unions, typical
- 3.82%
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Lawrence, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid-America BankBank · 3 branches
- Capitol FederalBank · 3 branches
- UMB BankBank · 1 branch