Highest Business Savings Account Rates in Kansas
10 Kansas-specific products

By Aviel Fahl

Newest reading: October 13, 2026

Top Kansas Rate:3.16% APYFDIC or NCUA Insured

The Kansas market

Kansas accounts

Institutions

Top Kansas APY

3.16% APY

Nationally: 3.90% APY

FDIC national average

0.37%

As of Sep 2026

10 business savings accounts are open only to Kansas residents, from 9 institutions. The highest advertised APY among them is 3.16%.

The highest nationally available rate is 3.90% APY, 74 basis points above the Kansas leader.

2 of the 10 Kansas business savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Kansas-Specific Business Savings Accounts

Business Savings accounts specifically available to Kansas residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	The Bank of Tescott Traditions High Yield Business Savings Up to3.16%APY Needs at least $5,000 Min. balance: $5,000 Observed: Oct 7, 2026 Show Details	+$316per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$100
#2	Silver Lake Bank Church Investment Account 0.80%APY Observed: Oct 7, 2026 Show Details	+$80per year	We could not confirm: minimum deposit. Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	N/A
#3	First State Bank of St. Charles, Missouri Corporate Savings 0.30%APY Observed: Oct 7, 2026 Show Details	+$30per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#4	The Citizens State Bank Business Savings 0.20%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#5	The Citizens State Bank Non-Profit Savings 0.20%APY Min. balance: $100 Observed: Oct 7, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#6	First Federal Bank of Kansas City Business Statement Savings Up to0.15%APY Needs at least $1,000 Observed: Oct 13, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$200
#7	Fidelity Bank, National Association Business High Interest Savings Up to0.10%APY Needs at least $10,000 Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Requires Mod. Minimum Features In-Person Access	$2,500
#8	Heritage Bank Heritage Business Savings 0.10%APY Observed: Oct 7, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$500
#9	Armed Forces Bank, National Association Business Savings 0.03%APY Observed: Oct 7, 2026 Show Details	+$3per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#10	Bank of America Business Advantage Savings 0.01%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100

The Bank of Tescott

Traditions High Yield Business Savings

+$316

per year

3.16% APY

Oct 7, 2026

Needs at least $5,000

APY Range: 0.50% – 3.16%

FDIC InsuredMod. MinimumIn-Person Access

What to Watch

The highest rate requires enrolment in online banking and eStatements. A $5 fee applies to each debit transaction beyond five in a monthly statement cycle.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$5,000
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1868)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Bank of Tescott

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Silver Lake Bank

Church Investment Account

+$80

per year

0.80% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends

Min. Deposit	N/A
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15323)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteSilver Lake Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First State Bank of St. Charles, Missouri

Corporate Savings

+$30

per year

0.30% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 12219)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst State Bank of St. Charles, Missouri

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The Citizens State Bank

Business Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 17672)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Citizens State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The Citizens State Bank

Non-Profit Savings

+$20

per year

0.20% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$100
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 17672)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteThe Citizens State Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

First Federal Bank of Kansas City

Business Statement Savings

+$15

per year

0.15% APY

Oct 13, 2026

Needs at least $1,000

APY Range: 0.10% – 0.15%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$200
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29047)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFirst Federal Bank of Kansas City

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Fidelity Bank, National Association

Business High Interest Savings

+$10

per year

0.10% APY

Oct 7, 2026

Needs at least $10,000

APY Range: 0.05% – 0.10%

FDIC InsuredMod. MinimumIn-Person Access

Show Fine Print & Trends

Min. Deposit	$2,500
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 30895)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteFidelity Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Heritage Bank

Heritage Business Savings

+$10

per year

0.10% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$500
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57548)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHeritage Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Armed Forces Bank, National Association

Business Savings

+$3

per year

0.03% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 4666)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteArmed Forces Bank, National Association

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

Bank of America

Business Advantage Savings

+$1

per year

0.01% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Business Savings Accounts

The 8 highest-rate business savings accounts available nationwide, including in Kansas.

Institution	Product / Term	APY	Min. Deposit
Prime Alliance Bank	Business Savings Accountneeds at least $200,000	Up to3.90%	$0
Climate First Bank	Super Savings	3.56%	$50
Axos Bank	Business Premium Savings	3.50%	$0
Capital One	Business Savings Account	3.50%	$0
Live Oak Bank	Business Savings	2.75%	$0
TAB Bank	Business Savings	0.25%	$25
Chase Bank	Chase Business Total Savingsneeds a linked account at the bank	0.01%	$0
Chase Bank	Chase Business Premier Savingsneeds a linked account at the bank	0.01%	$0

See the full national list