Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Topeka, KS metro
- 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: Online savings account. Available only in eligible markets based on verified primary residential ZIP code. Funds must be new to CFCU to qualify for the advertised rate. Must enroll in eStatements to receive advertised rate. Aggregate balance cap of $2,500,000 per Tax ID.
Offer: Must enroll in eStatements and deposit funds new to CFCU. Available only in eligible markets. Aggregate balance cap of $2,500,000 per Tax ID. Dividends paid monthly on daily balance.
Promotional rate · Balance cap $2,500,000 · No monthly fee · Effective Oct 13, 2026
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 - Bank of the Flint HillsMoney Market InvestmentMoney Market Investment · $1,000 min · 0.90%–3.66% by balance
Bank · 2 branches
2.12%APY$212 a year on $10,000Requirements
Product: Interest is calculated by the average daily balance method and is compounded and credited monthly. Account includes up to 6 withdrawals per statement cycle ($3 fee per excess withdrawal). Free online & mobile banking, mobile deposit, and complimentary paper statements with images or e-statements.
Offer: $10 monthly fee if balance falls below $1,000 on any day during the cycle.
0.90% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Investment Balance APY Up to $5,000 0.90% $5,000 – $50,000Your amount 2.12% $50,000 – $100,000 2.17% $100,000 – $1,000,000 3.07% $1,000,000 and up 3.66% 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 - 1.51%APY$151 a year on $10,000with conditions
Requirements
Offer: Conditions Met
Qualified rate · 1.50% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Go Green Rewards Balance APY Up to $25,000Your amount 1.51% Over $25,000 0.25%* Rate checked
More details - Kendall BankMoney Market AccountMoney Market Account · $100 min · 1.50%–3.85% by balance
Bank · 2 branches
1.50%APY$150 a year on $10,000Requirements
Product: Maintain a daily balance of $1,000 or an average daily balance of $2,000 per month to avoid the $12 monthly maintenance fee. Interest rates apply to the entire balance in the account. Excessive withdrawal fee of $5.00 applies for debit transactions exceeding 6 per statement cycle.
Offer: Interest rates apply to the entire balance in your account. Monthly fee waived with $1,000 daily balance or $2,000 average daily balance.
1.49% interest rate · $12 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 1.50% $25,000 – $50,000 1.50% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% $250,000 – $500,000 2.00% $500,000 – $750,000 2.50% $750,000 – $1,000,000 2.75% $1,000,000 – $5,000,000 3.59% $5,000,000 and up 3.85% Rate checked
More details - 1.25%APY$125 a year on $10,000
Requirements
Product: Must be a Client Appreciation Program (CAP) member to open. Must be a qualified CAP member as of November 30th of each year and maintain a $500 average available balance to receive annual bonus.
Offer: Monthly fee of $5 if account balance falls below $100.
1.24% interest rate · $5 monthly fee
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Minimum daily balance of $100 required to avoid the $5 monthly maintenance fee.
Offer: Applies to all balances. $100 minimum daily balance required to avoid $5 monthly maintenance fee.
1.00% interest rate · $5 monthly fee · Effective Sep 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Linked to Eagle Checking. Variable rate deposit account that may pay higher interest when eligibility requirements associated with Eagle Checking are met during the monthly cycle.
Offer: When eligibility requirements in Eagle Checking are met.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Nov 20, 2025
Rate by balance
Rate by balance for Eagle Saver Balance APY Up to $20,000Your amount 1.00% $20,000 and up 0.10% Rate checked
More details - First National Bank of KansasEagle Premier SaverSavings · $100 min · 0.10%–1.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Linked to Eagle Premier Checking. Variable rate deposit account that may pay higher interest when eligibility requirements associated with Eagle Premier Checking are met during the monthly cycle.
Offer: When eligibility requirements in Eagle Premier Checking are met.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Nov 20, 2025
Rate by balance
Rate by balance for Eagle Premier Saver Balance APY Up to $20,000Your amount 1.00% $20,000 and up 0.10% Rate checked
More details - Envista Federal Credit UnionFree Kasasa SaverSavings · $5 min · 0.25%–1.00% by balance
Credit union · 7 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
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 Topeka, KS metro
75 accounts at 25 banks and credit unions · checked Oct 15–17
- Typical
- 0.30%
- Top 10% from
- 1.51%
- Banks, typical
- 0.35%
- Credit unions, typical
- 0.25%
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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