Best 4-Year CD Rates in Kansas, KS

You are viewing rates from banks across Kansas

Below are four-year CD Rates from banks in Kansas . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

KS - December 12, 2024

4 Year CD National Average : 0.81% ^?

Banks	APY	MIN	MILES ^?
First Bank	4.15%	$500	-	Learn More Add Review
KS StateBank	3.95%	$500	-	Learn More
Rate History: 4.63% → 4.75% → 4.27% → 4.06% → 3.95%
HonestReview \| Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More Reviews (3)
Seattle Bank	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.55% → 4.20% → 4.05% → 3.80%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Capital One, National Association	3.55%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Emprise Bank	3.50%	$1,000	-	Learn More Add Review
First Federal Bank of Kansas City	3.50%	$1,000	-	Learn More Add Review
Rate History: 2.02% → 3.50%
Midwest Heritage Bank, FSB	3.25%	$5,000	-	Learn More Add Review
RCB Bank	3.25%	$1,000	-	Learn More
Holly cannady \| Oct 13, 2020 Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More Reviews (1)
Gateway First Bank	3.00%	$500	-	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Citizens	3.00%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Capitol Federal Savings Bank	2.75%	$1,000	-	Learn More
Rate History: 3.50% → 2.75%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
Intrust Bank, National Association	2.50%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.50% → 3.00% → 2.50%
Argentine Federal Savings	2.48%	$1,000	-	Learn More Add Review
Rate History: 1.57% → 2.59% → 2.48%
Security Bank of Kansas City	2.02%	$500	-	Learn More
Rate History: 1.26% → 2.02%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
The Bendena State Bank	1.76%	$10,000	-	Learn More Add Review
Bank of Denton	1.70%	$10,000	-	Learn More Add Review
BOKF, National Association	1.55%	$100,000	-	Learn More
Aku \| May 29, 2020 Dua Read More Reviews (1)
The State Bank of Bern	1.51%	$10,000	-	Learn More Add Review
New Century Bank	1.51%	$10,000	-	Learn More Add Review
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Farmers and Merchants Bank	1.41%	$500	-	Learn More Add Review
Swedish-American State Bank	1.41%	$10,000	-	Learn More Add Review
The Baldwin State Bank	1.41%	$10,000	-	Learn More Add Review
ESB Financial	1.41%	$10,000	-	Learn More Add Review
Patriots Bank	1.36%	$500	-	Learn More Add Review
The Lyon County State Bank	1.36%	$500	-	Learn More Add Review
BMO Bank National Association	1.35%	$1,000	-	Learn More
Rate History: 0.15% → 1.35% → 4.00% → 1.35%
Beenthere \| Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More Reviews (9)
The First State Bank of Healy	1.35%	$100,000	-	Learn More Add Review
Union State Bank	1.35%	$10,000	-	Learn More Add Review
Citizens Bank	1.31%	$500	-	Learn More Add Review
ESB Financial	1.31%	$10,000	-	Learn More Add Review
The Stock Exchange Bank, Caldwell, Kansas	1.31%	$10,000	-	Learn More Add Review
Impact Bank	1.30%	$10,000	-	Learn More Add Review
The Security State Bank	1.30%	$10,000	-	Learn More Add Review
The Farmers State Bank of Bucklin, Kansas	1.30%	$10,000	-	Learn More Add Review
Mid-America Bank	1.30%	$10,000	-	Learn More Add Review
Home Bank and Trust Company	1.30%	$10,000	-	Learn More Add Review
The Lyndon State Bank	1.27%	$10,000	-	Learn More Add Review
Country Club Bank	1.26%	$50,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
The Haviland State Bank	1.26%	$10,000	-	Learn More Add Review
Garden Plain State Bank	1.26%	$10,000	-	Learn More Add Review
Great American Bank	1.25%	$1,000	-	Learn More Add Review
The First State Bank of Healy	1.25%	$10,000	-	Learn More Add Review
Flint Hills Bank	1.25%	$100,000	-	Learn More Add Review
Kaw Valley State Bank	1.25%	$10,000	-	Learn More Add Review
Marquette Farmers State Bank of Marquette	1.25%	$10,000	-	Learn More Add Review
First National Bank of Kansas	1.25%	$10,000	-	Learn More Add Review
Southwest National Bank	1.25%	$10,000	-	Learn More Add Review
Country Club Bank	1.21%	$10,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
The Kansas State Bank Overbrook Kansas	1.21%	$10,000	-	Learn More Add Review
Heritage Bank	1.21%	$10,000	-	Learn More Add Review
The Farmers State Bank of Westmoreland	1.20%	$10,000	-	Learn More Add Review
Citizens Federal Savings Bank	1.20%	$10,000	-	Learn More Add Review
Mutual Savings Association	1.20%	$10,000	-	Learn More Add Review
Ford County State Bank	1.20%	$10,000	-	Learn More Add Review
The First National Bank of Spearville	1.16%	$100,000	-	Learn More Add Review
Chisholm Trail State Bank	1.16%	$1,000	-	Learn More Add Review
Kaw Valley Bank	1.16%	$100,000	-	Learn More Add Review
Farmers and Merchants Bank of Mound City, Kansas	1.16%	$1,000	-	Learn More Add Review
Flint Hills Bank	1.15%	$10,000	-	Learn More Add Review
Alliance Bank	1.15%	$10,000	-	Learn More Add Review
The State Bank of Canton, Canton, Kansas	1.15%	$10,000	-	Learn More Add Review
Legacy Bank	1.15%	$10,000	-	Learn More Add Review
The State Exchange Bank	1.11%	$10,000	-	Learn More Add Review
Bank 7	1.11%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
The Farmers State Bank of Blue Mound	1.10%	$10,000	-	Learn More Add Review
The Denison State Bank	1.10%	$10,000	-	Learn More Add Review
The Farmers State Bank	1.10%	$500	-	Learn More Add Review
Exchange Bank	1.10%	$10,000	-	Learn More Add Review
First Commerce Bank	1.06%	$10,000	-	Learn More Add Review
First FarmBank	1.05%	$10,000	-	Learn More Add Review
Bank of Greeley	1.05%	$3,000	-	Learn More Add Review
BancCentral, National Association	1.05%	$100,000	-	Learn More Add Review
Andover State Bank	1.05%	$10,000	-	Learn More Add Review
The First National Bank of Spearville	1.01%	$1,000	-	Learn More Add Review
The Fowler State Bank	1.01%	$100,000	-	Learn More Add Review
SJN Bank of Kansas	1.00%	$50	-	Learn More Add Review
Carson Bank	1.00%	$500	-	Learn More Add Review
Southwind Bank	1.00%	$500	-	Learn More Add Review
Lyons Federal Bank	1.00%	$100,000	-	Learn More Add Review
State Bank of Downs	1.00%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	1.00%	$10,000	-	Learn More Add Review
New Century Bank	1.00%	$10,000	-	Learn More Add Review
Community National Bank	1.00%	$100,000	-	Learn More Add Review
The Farmers State Bank	1.00%	$10,000	-	Learn More Add Review
The Citizens National Bank	1.00%	$10,000	-	Learn More Add Review
The Community Bank	1.00%	$100,000	-	Learn More Add Review
Farmers Bank & Trust	1.00%	$10,000	-	Learn More Add Review
Farmers and Drovers Bank	1.00%	$10,000	-	Learn More Add Review
Kaw Valley Bank	1.00%	$10,000	-	Learn More Add Review
TriCentury Bank	1.00%	$10,000	-	Learn More
Jjjohnston7 \| Jun 25, 2021 TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More Reviews (2)
The Citizens State Bank	1.00%	$1,000	-	Learn More Add Review
Kanza Bank	1.00%	$10,000	-	Learn More Add Review
Community Bank of Wichita, Inc.	1.00%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
The Citizens State Bank	0.99%	$100,000	-	Learn More Add Review
Lyons Federal Bank	0.95%	$10,000	-	Learn More Add Review
Farmers National Bank	0.95%	$10,000	-	Learn More Add Review
First National Bank and Trust	0.95%	$10,000	-	Learn More Add Review
Elk State Bank	0.95%	$100,000	-	Learn More Add Review
Peoples Bank and Trust Company	0.95%	$10,000	-	Learn More Add Review
The First Security Bank	0.95%	$10,000	-	Learn More Add Review
Prescott State Bank	0.95%	$10,000	-	Learn More Add Review
BancCentral, National Association	0.95%	$10,000	-	Learn More Add Review
Community National Bank & Trust	0.95%	$1,000	-	Learn More Add Review
The First National Bank of Hutchinson	0.93%	$5,000	-	Learn More Add Review
The Western State Bank	0.90%	$50,000	-	Learn More Add Review
Bank of Hays	0.90%	$1,000	-	Learn More Add Review
The Fowler State Bank	0.90%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.90%	$50,000	-	Learn More Add Review
First Heritage Bank	0.90%	$100,000	-	Learn More Add Review
Johnson State Bank	0.90%	$100,000	-	Learn More Add Review
The Community Bank	0.90%	$10,000	-	Learn More Add Review
Prairie Bank of Kansas	0.90%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust	0.90%	$10,000	-	Learn More Add Review
Labette Bank	0.90%	$10,000	-	Learn More Add Review
Vintage Bank Kansas	0.90%	$100,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.90%	$100,000	-	Learn More Add Review
The Citizens State Bank	0.89%	$10,000	-	Learn More Add Review
The Bank of Tescott	0.87%	$10,000	-	Learn More Add Review
GNBank, National Association	0.85%	$10,000	-	Learn More Add Review
American Bank of Baxter Springs	0.85%	$1,000	-	Learn More Add Review
Elk State Bank	0.85%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.85%	$1,000	-	Learn More Add Review
Silver Lake Bank	0.85%	$10,000	-	Learn More Add Review
The Bennington State Bank	0.83%	$10,000	-	Learn More Add Review
Citizens State Bank and Trust Co., Ellsworth, Kansas	0.80%	$500	-	Learn More Add Review
SOLUTIONS NORTH BANK	0.80%	$1,000	-	Learn More Add Review
United Bank & Trust	0.80%	$10,000	-	Learn More Add Review
Union State Bank	0.80%	$10,000	-	Learn More Add Review
The Citizens National Bank	0.80%	$10,000	-	Learn More Add Review
FNB Washington	0.80%	$10,000	-	Learn More Add Review
First Heritage Bank	0.80%	$10,000	-	Learn More Add Review
Community Bank	0.80%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.80%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
Alva State Bank & Trust Company	0.80%	$10,000	-	Learn More Add Review
The City State Bank	0.75%	$10,000	-	Learn More Add Review
The Western State Bank	0.75%	$5,000	-	Learn More Add Review
Conway Bank	0.75%	$10,000	-	Learn More Add Review
The Peoples State Bank	0.75%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank of Colby	0.75%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.75%	$10,000	-	Learn More Add Review
The Wilson State Bank	0.75%	$1,000	-	Learn More Add Review
The Plains State Bank	0.75%	$10,000	-	Learn More Add Review
Johnson State Bank	0.75%	$10,000	-	Learn More Add Review
Enterprise Bank & Trust	0.75%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
CrossFirst Bank	0.75%	$10,000	-	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
Vintage Bank Kansas	0.75%	$10,000	-	Learn More Add Review
Bank of Commerce	0.75%	$10,000	-	Learn More Add Review
The Exchange State Bank of St. Paul, Kansas	0.75%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.75%	$10,000	-	Learn More Add Review
Grant County Bank	0.74%	$100,000	-	Learn More Add Review
The Riley State Bank of Riley, Kansas	0.70%	$500	-	Learn More Add Review
The Farmers State Bank	0.70%	$10,000	-	Learn More Add Review
FNB Bank	0.70%	$100,000	-	Learn More Add Review
Community National Bank	0.70%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank of Syracuse	0.70%	$10,000	-	Learn More Add Review
Goppert State Service Bank	0.70%	$10,000	-	Learn More Add Review
Omb Bank	0.70%	$1,000	-	Learn More Add Review
Grant County Bank	0.69%	$1	-	Learn More Add Review
The Kearny County Bank	0.65%	$50,000	-	Learn More Add Review
The Citizens National Bank	0.65%	$10,000	-	Learn More Add Review
First Bank Kansas	0.65%	$10,000	-	Learn More Add Review
NBH Bank	0.65%	$10,000	-	Learn More Add Review
The Union State Bank of Everest	0.60%	$1,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.60%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Kansas State Bank	0.60%	$500	-	Learn More Add Review
Great Southern Bank	0.60%	$250	-	Learn More Add Review
The Tampa State Bank	0.60%	$10,000	-	Learn More Add Review
The City National Bank and Trust Company of Lawton, Oklahoma	0.60%	$10,000	-	Learn More Add Review
FirstOak Bank	0.60%	$10,000	-	Learn More Add Review
The Kearny County Bank	0.55%	$10,000	-	Learn More Add Review
Bank of Prairie Village	0.53%	$10,000	-	Learn More Add Review
Landmark National Bank	0.50%	$10,000	-	Learn More Add Review
Union State Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Louisburg	0.50%	$500	-	Learn More Add Review
Bank of Labor	0.50%	$10,000	-	Learn More
ksucat \| Nov 9, 2018 The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More Reviews (1)
NBKC Bank	0.50%	$1	-	Learn More Add Review
The Valley State Bank	0.50%	$10,000	-	Learn More Add Review
The First National Bank of Hope	0.45%	$100,000	-	Learn More Add Review
Cornerstone Bank	0.45%	$10,000	-	Learn More Add Review
Citizens Bank of Kansas	0.45%	$500	-	Learn More Add Review
Astra Bank	0.40%	$500	-	Learn More Add Review
The First National Bank of Hope	0.40%	$10,000	-	Learn More Add Review
Fidelity State Bank and Trust Company	0.40%	$1,000	-	Learn More Add Review
ANB Bank	0.40%	$10,000	-	Learn More Add Review
Peoples State Bank	0.37%	$10,000	-	Learn More
kccode1 \| Jun 9, 2019 They don't have this rate anymore. 5 year rate is only 3.11 Read More Reviews (2)
Citizens State Bank and Trust Company	0.35%	$500	-	Learn More Add Review
The Farmers State Bank of Oakley, Kansas	0.35%	$50,000	-	Learn More Add Review
The Farmers State Bank of Oakley, Kansas	0.30%	$10,000	-	Learn More Add Review
UMB Bank, National Association	0.30%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Central National Bank	0.27%	$50,000	-	Learn More Add Review
Equity Bank	0.25%	$1,000	-	Learn More Add Review
Commerce Bank	0.25%	$10,000	-	Learn More Add Review
The Baxter State Bank	0.25%	$10,000	-	Learn More Add Review
Central National Bank	0.17%	$10,000	-	Learn More Add Review
First-Citizens Bank & Trust Company	0.15%	$500	-	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
U.S. Bank National Association	0.15%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
First National Bank of Omaha	0.12%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
FNB Bank	0.05%	$10,000	-	Learn More Add Review
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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Kansas CD Rates – 4-Year

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2024

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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