Highest 3-Year CD Rates in Kansas
59 Kansas-specific 36-Month CD products
The Kansas market
Kansas accounts
59
Institutions
51
Top Kansas APY
4.73% APY
Nationally: 4.85% APY
FDIC national average
1.36%
As of Sep 2026
59 36-month CDs are open only to Kansas residents, from 51 institutions. The highest advertised APY among them is 4.73%.
The highest nationally available rate is 4.85% APY, 12 basis points above the Kansas leader.
50 of the 59 Kansas 36-month CDs advertise more than the FDIC national average of 1.36% for 36-month CDs as of Sep 2026.
Kansas-Specific 36-Month CD Rates
36-Month CD rates specifically available to Kansas residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.73%APY Observed: Oct 13, 2026 Branches: Yes | $100 | ||
| #2 | 4.37%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #3 | 4.15%APY Observed: Oct 13, 2026 Branches: Yes | N/A | ||
| #4 | 4.06%APY Observed: Oct 13, 2026 | $500 | ||
| #5 | 4.04%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 3.91%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #8 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $25,000 | ||
| #9 | 3.70%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #10 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #11 | 3.65%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #12 | 3.55%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #13 | 3.51%APY Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #14 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #15 | 3.49%APY Needs at least $10,000 Observed: Oct 7, 2026 | $1,000 | ||
| #16 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | N/A | ||
| #17 | 3.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | 3.24%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #19 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #20 | The City National Bank and Trust Company of Lawton, Oklahoma 36 Month CD (Compounding Monthly) Term: 36 months | 3.04%APY Observed: Oct 7, 2026 Branches: Yes | $500 | |
| #21 | Up to3.03%APY Needs at least $50,000 Observed: Oct 13, 2026 Branches: Yes | $500 | ||
| #22 | 3.03%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | 3.00%APY Observed: Oct 7, 2026 | $1,000 | ||
| #24 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #25 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #26 | Up to2.97%APY Needs at least $100,000 Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #27 | 2.93%APY Observed: Oct 7, 2026 | $1,000 | ||
| #28 | 2.80%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #29 | 2.78%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #30 | 2.77%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #31 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #33 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #34 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $5,000 | ||
| #35 | 2.63%APY Observed: Oct 7, 2026 Branches: Yes | $100,000 | ||
| #36 | 2.53%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #37 | 2.50%APY Observed: Oct 13, 2026 | $1,000 | ||
| #38 | 2.35%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #39 | 2.27%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #40 | 2.27%APY Observed: Oct 13, 2026 | $1,000 | ||
| #41 | 2.27%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 2.27%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #43 | 2.25%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #44 | 2.02%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 1.86%APY Observed: Oct 3, 2026 Branches: Yes | $500 | ||
| #46 | Up to1.76%APY Relationship rate · 1.66% without the relationship Observed: Oct 7, 2026 Branches: Yes | $50,000 | ||
| #47 | 1.71%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #48 | Up to1.66%APY Relationship rate · 1.56% without the relationship Observed: Oct 7, 2026 Branches: Yes | $10,000 | ||
| #49 | Up to1.56%APY Relationship rate · 1.46% without the relationship Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #50 | 1.45%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$100
Yes
$500
Yes
N/A
Yes
$500
N/A
$500
Yes
$500
Yes
$500
Yes
$25,000
Yes
$500
Yes
N/A
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
Needs at least $10,000
$1,000
N/A
N/A
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
36 Month CD (Compounding Monthly)
Term: 36 months
$500
Yes
Needs at least $50,000
$500
Yes
$500
Yes
$1,000
N/A
$500
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
$1,000
N/A
$1,000
Yes
$100
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$5,000
Yes
$100,000
Yes
$500
Yes
$1,000
N/A
$1,000
Yes
$1,000
Yes
$1,000
N/A
$500
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
Relationship rate · 1.66% without the relationship
$50,000
Yes
$1,000
Yes
Relationship rate · 1.56% without the relationship
$10,000
Yes
Relationship rate · 1.46% without the relationship
$500
Yes
$500
Yes
Nationally Available 36-Month CD Rates
The 8 highest 36-Month CD rates available nationwide, including in Kansas.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 36 Months36 months | 4.85% |
| Barclays | 36-Month CD36 months | 4.50% |
| Bread Savings | 3-Year CD36 months | 4.50% |
| Sallie Mae Bank | 36-Month Certificates of deposit CDs36 months | 4.45% |
| E*TRADE from Morgan Stanley | 36-Month Certificates of Deposit36 months | 4.40% |
| Marcus by Goldman Sachs | 3 Year CD36 months | 4.40% |
| Synchrony Bank | 36 Month CD36 months | 4.40% |
| KS StateBank | 3 Year CD36 months | 4.35% |