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
- 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 - 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 - 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 - Envista Federal Credit UnionAdvantage Plus Money MarketAdvantage Plus Money Market · $0 min · 0.60%–2.10% by balance
Credit union · 7 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 - Central National BankCentral Prestige MMDACentral Prestige MMDA · $1,000 min · 0.70%–1.26% by balance
Bank · 2 branches
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 - Azura Credit UnionMoney MarketMoney Market · $0 min · 0.00%–1.31% by balance
Credit union · 4 branches
0.70%APY$70 a year on $10,000Requirements
Product: Keep a $1,000 minimum balance to avoid a $5 monthly fee. Make up to six withdrawals every month and write up to three checks against the account every month. Rate may change after the account is opened.
Offer: Keep a $1,000 minimum balance to avoid a $5 monthly fee. Rate may change after the account is opened.
0.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.90% $50,000 – $100,000 1.11% $100,000 and up 1.31% Rate checked
More details - Silver Lake BankSterling Money Market Advantage AccountSterling Money Market Advantage Account · $1,000 min · 0.60%–1.00% by balance
Bank · 3 branches
0.60%APY$60 a year on $10,000Requirements
Product: $1,000 will open the account. No monthly service charge if ALB is $2,000 or more; otherwise a $5 monthly charge applies. Subject to regulatory withdrawal limitations; no fee for ATM and in-person transactions, other withdrawals over 6 per month are $2 each. eStatement is free; paper statements are $3 per statement period. Free Sterling checks.
Offer: No monthly service charge if ALB is $2,000 or more; otherwise $5 monthly charge applies.
0.60% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Sterling Money Market Advantage Account Balance APY Up to $24,999Your amount 0.60% $25,000 – $49,999 0.70% $50,000 – $99,999 0.80% $100,000 and up 1.00% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $300 average collected account balance is maintained. Variable interest calculated on daily collected balance, compounded and credited monthly. Rates may vary by bank location.
Offer: $5 monthly service charge waived with $300 average collected balance. Variable interest calculated daily, compounded and credited monthly. Rates may vary by bank location.
0.60% interest rate · $5 monthly fee · Effective Apr 12, 2019
Rate checked
More details - Kaw Valley BankAdvantage Plus Money MarketAdvantage Plus Money Market · $0 min · 0.00%–0.85% by balance
Bank · 6 branches
0.60%APY$60 a year on $10,000Requirements
Product: Interest rate subject to change daily. Fees may reduce earnings. Must maintain a minimum average daily balance of $2,500.00 to earn interest.
Offer: Interest rate subject to change daily. Fees may reduce earnings. Must maintain a minimum average daily balance of $2,500.00 to earn interest.
0.00% interest rate
Rate by balance
Rate by balance for Advantage Plus Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountStated APY range is 0.00% - 0.60%. 0.60% $25,000 – $250,000Stated APY range is 0.60% - 0.69%. 0.69% Over $250,000Stated APY range is 0.69% - 0.85%. 0.85% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Interest rate subject to change daily, Fees may reduce earnings Must maintain a minimum average daily balance of $1,000.00 to earn interest
0.55% 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 savings accounts pay in Topeka, KS
54 accounts at 18 banks and credit unions · checked Oct 15–17
- Typical
- 0.30%
- Top 10% from
- 1.70%
- Banks, typical
- 0.30%
- 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