Compare Bank & Credit Union Rates
Best savings rates in Lawrence, 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 Lawrence, KS
- 3.75%APY$375 a year on $10,000
Requirements
Product: One Name It Save It share per account. Six FREE withdrawals every rolling 12-month period from open date; $10.00 fee for all other withdrawals. Maximum balance is $1,000,000.00.
Offer: Dividends compounded and credited monthly based on calendar month average daily balance. Maximum balance to earn dividends is $1,000,000. Six free withdrawals per rolling 12 months, $10 per withdrawal thereafter.
3.68% interest rate · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.70%APY$370 a year on $10,000
Requirements
Product: Online only account. Interest compounded daily and credited calendar quarterly. $10 monthly fee waived with $10,000 average daily balance. 3 free withdrawals per month, $2 per withdrawal thereafter.
Offer: Applies when daily balance is below $10,000 or account is not enrolled in eStatements. Monthly fee waived with average daily balance of $10,000 or more.
0.05% interest rate · Compounded daily · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for High Yield eSavings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 3.70% 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 - 2.27%APY$227 a year on $10,000
Requirements
Product: $10 minimum balance fee if balance falls below $2,500. Excess Transaction Fee: $5 fee for each additional debit beyond the 10th per month.
Offer: $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month.
2.00% interest rate · $10 monthly fee · Effective Sep 10, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $5,000 2.02% $5,000 – $20,000Your amount 2.27% $20,000 – $50,000 2.53% $50,000 – $100,000 2.78% $100,000 – $500,000 3.04% $500,000 – $1,000,000 3.30% $1,000,000 and up 3.82% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash - Multi Level or Kasasa Cash Back checking account. Rewards and cash back earned in checking auto-transfer into Kasasa Saver. $100 minimum deposit to open. No monthly maintenance fees.
Offer: Qualifying rate on daily balances up to and including $50,000 when monthly qualifications are met in linked Kasasa Cash - Multi Level or Kasasa Cash Back account during the Monthly Qualification Cycle (at least 1 direct deposit/ACH credit/ACH payment, at least 12 debit card purchases of minimum $5 each, and enrolled in eStatements).
Qualified rate · 1.98% interest rate · No monthly fee
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - TriCentury BankGold Money MarketGold Money Market · $5,000 min · 1.00%–2.75% by balance
Bank · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Checking accounts rates are variable subject to change without notice.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Gold Money Market Balance APY Up to $5,000 1.00% $5,000 – $50,000Your amount 1.50% $50,000 – $100,000 2.00% $100,000 – $200,000 2.50% Over $200,000 2.75% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: $5 monthly service charge if balance falls below $100. Minimum opening balance is $25 for children under 18 (in branch only). Rates are variable and subject to change without notice.
Offer: $5 monthly service charge if balance falls below $100; $25 opening deposit for minors under 18. Rate is variable.
$5 monthly fee · Effective Oct 5, 2026
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 - Envista Federal Credit UnionFree Kasasa SaverSavings · $5 min · 0.25%–1.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Must have a Kasasa Cash or Kasasa Cash Back checking account to open. To qualify for highest rates, during each Monthly Qualification Cycle: at least 1 direct deposit, ACH credit, or ACH payment transaction, and at least 12 debit card purchases. Must be enrolled in and log in to online banking at least once and be enrolled in and receive eStatements. Monthly fee is $0.00.
Offer: Applies to portion of balance up to $50,000 when qualification requirements are met in linked Kasasa Cash or Kasasa Cash Back checking account.
Qualified rate · 0.99% interest rate · No monthly fee · Effective Apr 9, 2026
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and up 0.25% Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Product: Maintain a $5,000 average collected balance to avoid the $10 monthly account service charge. Variable interest is calculated on daily collected balance, compounded and credited monthly.
Offer: $10 monthly fee waived if $5,000 average collected balance is maintained. Only one tier of interest applied per day.
0.85% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.85% $5,000 – $10,000 0.85% $10,000 – $25,000Your amount 0.85% $25,000 – $50,000 0.85% $50,000 – $100,000 0.85% $100,000 – $1,000,000 1.65% $1,000,000 – $2,500,000 1.75% $2,500,000 – $5,000,000 1.75% $5,000,000 and up 2.00% Rate checked
More details - Envista Federal Credit UnionAdvantage Plus Money MarketAdvantage Plus Money Market · $0 min · 0.60%–2.10% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Fees may reduce earnings. Rates are subject to change without notice.
0.59% interest rate · Effective Apr 9, 2026
Rate by balance
Rate by balance for Advantage Plus Money Market Balance APY Up to $2,499 0.60% $2,500 – $9,999 0.70% $10,000 – $24,999Your amount 0.80% $25,000 – $49,999 1.00% $50,000 – $99,999 1.20% $100,000 – $249,999 1.40% $250,000 and up 2.10% 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 Lawrence, KS
56 accounts at 19 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.14%
- Banks, typical
- 0.23%
- Credit unions, typical
- 0.20%
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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