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 16–26 results in Topeka, KS
- 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty: loss of 3 months interest for 3-12 month CD terms, loss of 6 months interest for 13-60 month CD terms. Automatically renews with a 10-day grace period (public funds excluded). FDIC insured up to $250,000.00.
3.75% interest rate · Effective Jun 8, 2026
Rate checked
More details - Empower Blue Credit UnionShare CertificatesCD · 60 months · $500 min · 3.61%–3.87% by balance
Credit union · 2 branches
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Open a certificate with as little as a $500 minimum deposit. Early withdrawal penalties may apply.
Offer: Average daily balance required to earn dividends: $500.
3.55% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.61% $50,000 and up$50,000+ Jumbo rate. 3.87% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Compounded quarterly. $500.00 minimum opening balance.
Offer: Compounded quarterly.
3.46% interest rate · Compounded quarterly · Effective Mar 3, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 2.78%APY$420 over 18 months on $10,000
Requirements
Product: Early withdrawal may be subject to penalty. Once Certificate of Deposit is purchased the rate is set through maturity.
2.75% interest rate · Effective Jul 1, 2026
Rate checked
More details - Central National BankCertificates of DepositCD · 60–Unknown months · $1,000 min · 1.80%–2.00% by balance
Bank · 2 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
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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
Rate checked
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
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 Topeka, KS
142 CDs at 16 banks and credit unions · checked Oct 6–17
- Typical
- 2.70%
- Top 10% from
- 4.05%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.58%
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Topeka, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch
- Bank of the Flint HillsBank · 2 branches
- Capitol FederalBank · 10 branches