Compare Bank & Credit Union Rates
Best savings rates in Hays, KS
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Hays, KS
- Credit Union of AmericaHigh-Yield Savings AccountSavings · $100 min · 0.10%–3.25% by balance
Credit union · 1 branch
3.25%APY$325 a year on $10,000Requirements
Product: Digital-only account opened and managed through online and mobile banking. Minimum $100 opening deposit. A $5.00 monthly fee applies if the month-end balance is less than $100 and there has been no account activity in over six months.
Offer: Dividends paid monthly. $5.00 monthly fee applies if month-end balance is less than $100 and no activity in over 6 months.
3.20% interest rate · $5 monthly fee · Effective May 4, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $50,000Your amount 3.25% Over $50,000 0.10% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Must be linked to a High Interest Checking or Cash Back Checking account (limit one Savings Plus account per checking account). If the associated checking account is closed, converted to Regular Savings.
Offer: Applies to balances up to $50,000 when linked High Interest Checking or Cash Back Checking monthly qualification cycle requirements are met. No monthly service fees.
Qualified rate · 2.47% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Savings Plus Balance APY Up to $50,000Your amount 2.50% $50,001 and upWhen linked High Interest Checking or Cash Back Checking qualifications are met, 0.35% interest rate is paid on the portion of daily balance greater than $50,000, resulting in a blended APY range from 2.50% to 1.07% depending on balance. 0.35%* Rate checked
More details - 2.02%APY$202 a year on $10,000
Requirements
Product: Individual accounts available only for employees of Genuine Parts Company and its subsidiaries in the United States. Opening a Savings Account with an initial $5 deposit is required for membership. Dividends are paid on average share balances in excess of $50.00, calculated on a daily basis using the average daily balance method, and paid quarterly. Maximum account balance per member for all accounts combined is $250,000.
Offer: Dividend for the fourth quarter 2024. Dividends are paid on average share balances in excess of $50.00, calculated on a daily basis and paid quarterly.
2.00% interest rate · Balance cap $250,000
Rate checked
More details - Emprise BankMoney Market AccountMoney Market Account · $100 min · 1.45%–2.15% by balance
Bank · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: $10 monthly service fee waived with $2,500 average daily balance or $10,000 total deposit relationship.
Offer: $10 monthly service fee waived with $2,500 average daily balance or $10,000 total deposit relationship.
1.44% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $4,999 1.45% $5,000 – $9,999 1.45% $10,000 – $24,999Your amount 1.45% $25,000 – $49,999 1.45% $50,000 – $99,999 1.65% $100,000 and up 2.15% Rate checked
More details - Central National BankCentral Prestige MMDACentral Prestige MMDA · $1,000 min · 0.70%–1.26% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Rates Updated October 13, 2026. Rates and Specials are subject to change. Checking, Savings, and Money Market accounts are variable rate accounts. Rates may change after an account is open. Fees may reduce earnings. 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Not available for public fund customers.
Offer: 0% for bal. <$1,000; $1,000 daily balance required to earn the APY disclosed. Variable rate account; rates may change after account is open. Fees may reduce earnings.
0.70% interest rate · Effective Oct 13, 2026
Rate by balance
Rate by balance for Central Prestige MMDA Balance APY $1,000 – $10,000 0.70% $10,000 – $50,000Your amount 0.75% $50,000 – $250,000 0.95% $250,000 – $1,000,000 1.16% $1,000,000 and up 1.26% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: With a $100 minimum daily balance, the $3 monthly service charge is waived.
Offer: No minimum daily balance to earn stated APY. Minimum deposit to open is $100. $3 monthly service charge waived with $100 minimum daily balance.
$3 monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: The minimum deposit required to open this account is $2,500. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Offer: Minimum daily balance to earn stated APY.
Balance cap $49,999.99 · Effective Sep 1, 2026
Rate checked
More details - Credit Union of AmericaBalance Boost AccountBalance Boost Account · $100 min · 0.30%–3.00% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Interest is paid at tier rates on balances within each tier (blended rate). Total interest paid is the sum from each tier. Dividends paid monthly. No minimum balance requirement to earn interest.
Offer: Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Dividends paid monthly.
2.96% interest rate · Effective May 5, 2026
Rate by balance
Rate by balance for Balance Boost Account Balance APY Up to $2,500 3.00% $2,500 – $5,000 0.75% $5,000 – $15,000Your amount 0.45% $15,000 – $25,000 0.40% $25,000 – $50,000 0.35% Over $50,000 0.30% Rate checked
More details - Heartland Credit UnionInvestment SharesSavings · $100 min · 0.05%–0.35% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Tiered savings account with full access to funds and up to 6 withdrawals per month. No time commitment or early withdrawal penalty.
Effective Jun 13, 2025
Rate by balance
Rate by balance for Investment Shares Balance APY $100 – $2,499 0.05% $2,500 – $9,999 0.20% $10,000 – $24,999Your amount 0.35% $25,000 and up 0.35% Rate checked
More details - Equity BankRewards Money MarketRewards Money Market · $1,000 min · 0.30%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Rewards Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Rewards Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Rewards Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.50% Rate checked
More details - Equity BankPerks Plus Money MarketPerks Plus Money Market · $1,000 min · 0.30%–2.25% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Perks Plus Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Perks Plus Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Perks Plus Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Variable rate account. Monthly fee of $2.00 is imposed every month if the daily balance on any day of the month falls below $100.00. 6 transfers/withdrawals per month; $1 for each additional.
Offer: Monthly fee of $2.00 waived if daily balance does not fall below $100.00. Interest paid quarterly.
0.15% interest rate · $2 monthly fee · Effective Oct 13, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Variable interest rate. $5 monthly service fee waived with $250 average daily balance. Withdrawal fee of $3.00 for each withdrawal in excess of 3 per month; unlimited free withdrawals at Emprise ATMs.
Offer: $5 monthly service fee waived with $250 average daily balance. Variable interest rate; earnings compounded and credited monthly.
0.15% interest rate · $5 monthly fee · Effective Sep 15, 2026
Rate checked
More details - Credit Union of AmericaRegular SharesSavings · $1 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Minimum $1.00 deposit to open (covered by CUA) and maintain membership. Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
Offer: Average daily balance of $100 must be maintained to earn dividends. Dividends paid monthly.
0.00% interest rate · Effective May 5, 2026
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $100 0.00% $100 – $2,500 0.05% $2,500 and upYour amount 0.10% 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 savings accounts pay in Hays, KS
22 accounts at 9 banks and credit unions · checked Oct 16
- Typical
- 0.30%
- Top 10% from
- 2.45%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.23%
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Hays, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Credit Union of AmericaCredit union · 1 branch
- Heartland Credit UnionCredit union · 1 branch