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Highest 2-Year CD Rates in Kansas
64 Kansas-specific 24-Month CD products

By Aviel Fahl

Newest reading: October 13, 2026

Top Kansas Rate:4.40% APYFDIC or NCUA Insured

The Kansas market

Kansas accounts

64

Institutions

57

Top Kansas APY

4.40% APY

Nationally: 4.75% APY

FDIC national average

1.61%

As of Sep 2026

64 24-month CDs are open only to Kansas residents, from 57 institutions. The highest advertised APY among them is 4.40%.

The highest nationally available rate is 4.75% APY, 35 basis points above the Kansas leader.

50 of the 64 Kansas 24-month CDs advertise more than the FDIC national average of 1.61% for 24-month CDs as of Sep 2026.

Kansas-Specific 24-Month CD Rates

24-Month CD rates specifically available to Kansas residents. Business, youth and IRA CDs are not included on this page.

Top 50 CD terms from 46 banks,sorted by highest APY
#1
Union Bank and Trust Company

24 Month CD

Term: 24 months

4.40%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#2
Grant County Bank

24-Month CD

Term: 24 months

4.39%
APY
Observed: Oct 13, 2026
Min Deposit

$100

Branches

Yes

#3
Grant County Bank

24-Month Variable Rate CD

Term: 24 months

4.39%
APY
Observed: Oct 13, 2026
Min Deposit

$100

Branches

Yes

#4
Bank of the Flint Hills

2 Year CD

Term: 24 months

4.27%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

N/A

#5
Farmers and Merchants Bank

24-Month Certificate

Term: 24 months

4.27%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#6
The Union State Bank of Everest

2 Year CD

Term: 24 months

4.10%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#7
First Federal Bank of Kansas City

24-Month CD

Term: 24 months

4.01%
APY
Observed: Oct 13, 2026
Min Deposit

N/A

Branches

Yes

#8
First Nebraska Bank

24-Month Certificate

Term: 24 months

3.85%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#9
The Bank of Tescott

24 Month CD

Term: 24 months

3.85%
APY

Needs at least $10,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#10
The Bank of Protection

2 Year Certificate of Deposit

Term: 24 months

3.79%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#11
The Farmers State Bank of Westmoreland

24 Month CD

Term: 24 months

3.65%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#12
ESB Financial

24-Month CD

Term: 24-29 months

3.60%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#13
Security Bank of Kansas City

24 Month CD

Term: 24 months

3.60%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#14
Garden Plain State Bank

2 Year CD

Term: 24 months

3.55%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#15
Academy Bank, National Association

24-Month CD

Term: 24 months

3.51%
APY
Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#16
Fidelity Bank, National Association

24-Month CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#17
Gateway First Bank

24 Month CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#18
The Denison State Bank

2 Year CD

Term: 24 months

3.50%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#19
Fidelity Bank, National Association

24-Month Jumbo CD (CDARS)

Term: 24 months

3.40%
APY
Observed: Oct 7, 2026
Min Deposit

$25,000

Branches

Yes

#20
Legacy Bank

2 Year

Term: 24 months

3.40%
APY
Observed: Oct 7, 2026
Min Deposit

N/A

Branches

Yes

#21
The City National Bank and Trust Company of Lawton, Oklahoma

24 Month CD (Compounding Monthly)

Term: 24 months

3.30%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#22
The Kansas State Bank Overbrook Kansas

24 Month CD

Term: 24 months

3.29%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#23
Andover State Bank

24-month CD

Term: 24 months

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

3.25%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#25
The Citizens State Bank

24 Month CD

Term: 24 months

3.22%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

N/A

#26
Halstead Bank

Two-Year Certificate

Term: 24 months

3.15%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#27
The Lyndon State Bank

2 Year CD

Term: 24 months

3.04%
APY
Observed: Oct 7, 2026
Min Deposit

$100

Branches

Yes

#28
Community National Bank & Trust

24 Month Bump CD Special

Term: 24 months

3.02%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#29
Citizens Federal Savings Bank

Two Year CD

Term: 24 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#30
First FarmBank

24 Month CD

Term: 24 months

3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#31
3.00%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#32
Johnson State Bank

2 Year CD

Term: 24 months

Up to2.96%
APY

Needs at least $100,000

Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#33
Lyons Federal Bank

24-29 Month CD

Term: 24-29 months

Up to2.88%
APY

Needs at least $50,000

Observed: Oct 13, 2026
Min Deposit

$500

Branches

Yes

#34
2.77%
APY
Observed: Oct 3, 2026
Min Deposit

$1,000

Branches

Yes

#35
Armed Forces Bank, National Association

24-Month CD

Term: 24 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#36
Golden Belt Bank, FSA

2 Year CD

Term: 24 months

2.75%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#37
RCB Bank

24 Month CD

Term: 24 months

2.70%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#38
The Dickinson County Bank

24 Mo. CD

Term: 24 months

2.65%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

N/A

#39
Kaw Valley Bank

24 Month High Balance CD

Term: 24 months

2.63%
APY
Observed: Oct 7, 2026
Min Deposit

$100,000

Branches

Yes

#40
Kaw Valley Bank

24 Month CD

Term: 24 months

2.53%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#41
Heritage Bank

2 Year CD

Term: 24 months

2.52%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#42
TriCentury Bank

24 Month CD

Term: 24 months

2.50%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

N/A

#43
Kendall Bank

24-Month CD

Term: 24 months

2.34%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

Yes

#44
The Farmers State Bank

24-Month CD

Term: 24 months

2.27%
APY
Observed: Oct 13, 2026
Min Deposit

$1,000

Branches

N/A

#45
The Citizens State Bank

24 Month CD

Term: 24 months

2.25%
APY
Observed: Oct 7, 2026
Min Deposit

$1,000

Branches

Yes

#46
2.17%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#47
The Farmers State Bank

24-Month CD

Term: 24 months

Up to2.11%
APY

Needs at least $50,000

Observed: Oct 3, 2026
Min Deposit

$500

Branches

Yes

#48
Silver Lake Bank

24 Month Jump CD

Term: 24 months

2.02%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#49
2.01%
APY
Observed: Oct 7, 2026
Min Deposit

$500

Branches

Yes

#50
The First National Bank of Hope

24 Month CD - $50,000 Minimum

Term: 24 months

Up to1.71%
APY

Relationship rate · 1.61% without the relationship

Observed: Oct 7, 2026
Min Deposit

$50,000

Branches

Yes

Nationally Available 24-Month CD Rates

The 8 highest 24-Month CD rates available nationwide, including in Kansas.

InstitutionProduct / Term
Barclays
24-Month CD24 months
4.75%
Popular Direct
24 Months24 months
4.70%
Happen Bank
2-Year CD24 months
4.60%
Bread Savings
2-Year CD24 months
4.45%
E*TRADE from Morgan Stanley
24-Month Certificates of Deposit24 months
4.40%
Marcus by Goldman Sachs
2 Year CD24 months
4.40%
Sallie Mae Bank
24-Month Certificates of deposit CDs24 months
4.40%
Vio Bank
24-Month Online Certificate of Deposit CD24 months
4.40%

See the full national list