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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–13 results in Newton, KS
- 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 - 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 - 4.05%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 - 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 - 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 - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Membership required ($25 deposit to purchase membership share; open to residents of Butler County, Harvey County, and adjacent counties). Early withdrawal penalties apply.
3.73% interest rate · Effective Mar 2, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000intro rate
Requirements
Product: Limited time offer. Not available to other financial institutions or public funds. Early withdrawal penalties may apply.
Offer: Requires $2,500 minimum balance to open and obtain APY. Auto renews to a standard 12-month CD. Penalties may be imposed for early withdrawal. Limited time offer.
Promotional rate · Effective Aug 28, 2026
Rate checked
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
Rate checked
More details - 3.03%APY$775 over 30 months on $10,000
Requirements
Product: $500 minimum investment ($100 for youth accounts, $50 with automatic deposit). Add on anytime without resetting term or rate. Add-on minimum is $500 in person/phone ($100 for youth); no minimum for add-ons via online banking, direct deposit, or automatic transfer. Penalty for early withdrawal.
Offer: $500 minimum opening deposit ($50 with automatic deposit; $100 for youth accounts). Add funds anytime without extending term.
Rate checked
More details - 3.00%APY$1,564 over 59 months on $10,000
Requirements
Product: Rates for ZIP code 60606. Early withdrawal penalties may apply. Account must be opened online, by phone, or at a financial center. For CDs opened online, funds may not be withdrawn for 15 calendar days after funding; for CDs opened by phone, accounts must be funded within 10 business days of application and funds may not be withdrawn for 15 calendar days after funding. CDs opened online cannot be for an IRA.
Effective Sep 17, 2026
Rate checked
More details - 2.70%APY$408 over 18 months on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening.
Offer: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield (APY) may change after account opening.
2.68% interest rate · Effective Oct 1, 2025
Rate checked
More details - Central National BankCertificates of DepositCD · 60–Unknown months · $1,000 min · 1.80%–2.00% by balance
Bank · 1 branch
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
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 Newton, KS
53 CDs at 8 banks and credit unions · checked Oct 16
- Typical
- 2.70%
- Top 10% from
- 3.80%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.25%
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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