First National Bank of Kansas savings, CD and money market rates
First National Bank of Kansas' Eagle Premier Saver lists 1.00% APY on balances of $20,000 or less, and 0.10% on larger balances. That is 0.62 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
The rate needs a linked account at the bank.
Ranked #833 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #584.
Estimate your earnings·What First National Bank of Kansas actually pays
First National Bank of Kansas at a glance
| Savings | |
|---|---|
| Top savings APY | 1.00% · Eagle Premier Saver · $20,000 or less only · needs a linked account at the bank |
| Minimum to open | $100 · Eagle Premier Saver |
| Against the national average | 0.62 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.00% · 12 months · 12 Month CD |
| Minimum to open | $1,000 · 12 months CD |
| Against the national average | 1.24 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.50% · Money Market/Business · needs at least $50,000 |
| Minimum to open | $2,500 · Money Market/Business |
| Against the national average | 0.13 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 4794 · Burlington, KS |
|---|---|
| Website | www.fnbofks.bank |
| Branches | 3 branches in KS |
| Availability | Available in KS |
First National Bank of Kansas savings, CD and money market rates
How the rate applies
How the rate applies
How the rate applies
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
First National Bank of Kansas CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 1.00% | $1,000 | 91 Day CD |
| 6 months | 2.00% | $1,000 | 182 Day CD |
| 12 months | 3.00% | $1,000 | 12 Month CD |
| 18 months | 2.25% | $1,000 | 18 Month CD |
| 18 months | 2.00% | $1,000 | 18 Month Jump Rate CD |
| 30 months | 2.50% | $1,000 | 30 Month CD |
| 30 months | 2.25% | $1,000 | 30 Month Jump Rate CD |
| 48 months | 2.50% | $1,000 | 48 Month CD |
| 48 months | 2.25% | $1,000 | 48 Month Jump Rate CD |
| 60 months | 3.00% | $1,000 | 60 Month CD |
| 60 months | 2.50% | $1,000 | 60 Month Jump Rate CD |
Interactive Tool
Calculate Savings for First National Bank of Kansas
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$377.30(2.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,377.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What First National Bank of Kansas pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 1.00% applies to balances of $20,000 or less. A larger balance earns 0.10% on the whole amount.
In Q2 2026, First National Bank of Kansas paid a higher average rate on savings and money market deposits than 42% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- First National Bank of Kansas, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Eagle Premier Saver | 1.00% | $100 | $0 | $20,000 | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
| Eagle Saver | 1.00% | $100 | $0 | $20,000 | not stated | Linked account at the bank · direct deposit not stated | Tiered | |
| Regular/Business Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: Six free withdrawals or transfers per quarterly cycle; each extra one costs $1. A $5.00 dormant fee may apply each cycle when the balance is under $100 and there has been no activity for a year. | ||||||||
| Children Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: For children and teens under 18. Six free withdrawals or transfers per quarterly cycle; each extra one costs $1. After a year with no activity, a balance of $5.00 or less goes to a service charge. | ||||||||
| Christmas Club Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: Paid by cashier's check each November 1; no other withdrawals. Needs a deposit at least once a month by transfer from another account. Renews yearly unless cancelled. Closing early may cost $25. | ||||||||
| Money Market/Business | Up to 0.50% | $2,500 | $2,500 | None | not stated | not stated | Tiered | |
| Fine print: The account has no checking features. The monthly service fee is waived by keeping a $2,500 minimum average daily balance. | ||||||||
Fine print for 2 products above: The stated APY applies to the portion of the average daily balance up to $20,000. The portion above $20,000 earns a lower rate. The rate depends on meeting the eligibility requirements of a linked Eagle Premier Checking or Eagle Checking account during each monthly cycle. If those requirements are not met, the whole balance earns a lower rate. A dormant fee of $5.00 may be charged each cycle period when the balance is under $100.00 and the account has had no activity for a year.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 91 Day CD | 3 months | 1.00% | $1,000 | not stated | not stated |
| 182 Day CD | 6 months | 2.00% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 3.00% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 2.25% | $1,000 | not stated | not stated |
| 18 Month Jump Rate CD | 18 months | 2.00% | $1,000 | not stated | not stated |
| 30 Month CD | 30 months | 2.50% | $1,000 | not stated | not stated |
| 30 Month Jump Rate CD | 30 months | 2.25% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 2.50% | $1,000 | not stated | not stated |
| 48 Month Jump Rate CD | 48 months | 2.25% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 3.00% | $1,000 | not stated | not stated |
| 60 Month Jump Rate CD | 60 months | 2.50% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in KS |
|---|---|
| Footprint | 3 branches in KS |
| Eligibility | not stated |
How First National Bank of Kansas behaves over time
Every observation of the advertised Eagle Premier Saver rate in the last 12 months was 1.00% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
- Eagle Premier Saver
- The same as 30 days ago.
- 12 months CD
- The same as 30 days ago.
- Rate last changed
- Sep 9, 2026(effective date)
$10,000 at the 1.00% APY First National Bank of Kansas advertises on Eagle Premier Saver grows to $10,100 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,736 does today. See how the federal funds rate shapes savings rates.
First National Bank of Kansas CD rates over time
Who is First National Bank of Kansas?
| Headquarters | Burlington, KS |
|---|---|
| Founded | 1902 |
| Scale | $106M assets · $95M deposits, $76M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 4794 |
| Charter state | Kansas · one of 185 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,561st-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 90% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What First National Bank of Kansas pays on deposits above.
Common questions about First National Bank of Kansas
Is First National Bank of Kansas FDIC insured?
Yes. First National Bank of Kansas is FDIC insured under certificate 4794, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at First National Bank of Kansas?
First National Bank of Kansas requires a minimum deposit of $100 to open its Eagle Premier Saver account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does the 1.00% apply to my whole balance?
The 1.00% applies to balances of $20,000 or less. A larger balance earns 0.10% on the whole amount. The rate needs a linked account at the bank. Rates are as observed on Nov 2, 2026.
Does First National Bank of Kansas have branches?
Yes. First National Bank of Kansas operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
First National Bank of Kansas against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| First National Bank of Kansas | 1.00% | 1.26% | $100 | 3 branches in KS |
| American Bank & Trust Company, Inc. | 1.00% | 2.87% | $100 | 6 branches in KY |
| American State Bank | 1.00% | 2.47% | $100 | 5 branches in TX |
| Anahuac National Bank | 1.00% | 0.88% | $50 | 5 branches in TX |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to First National Bank of Kansas's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Kansas, nearest to First National Bank of Kansas in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: savings rates in Kansas, money market rates in Kansas, and banks in Kansas.