KS StateBank CD Rates — October 2026
As of October 22, 2026, KS StateBank's highest tracked CD rate is 4.75% APY on a 24-month CD ($500 minimum). That is 3.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 4.35% to 4.75% APY.
Tracking began .
KS StateBank CD rates
CDs from 6 months to 7 years with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | 6 Month CD | $500 | 4.35% | −0.05% | Top 3% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 1 Year CD | $500 | 4.50% | −0.07% | Top 4% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year CD | $500 | 4.75% | −0.12% | Top 2% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 3 Year CD | $500 | 4.50% | −0.45% | Top 5% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 4 Year CD | $500 | 4.50% | −0.48% | Top 3% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 5 Year CD | $500 | 4.75% | −0.26% | Top 2% of tracked 60-month CDs · Verified October 22, 2026 |
| 84 months | 7 Year CD | $500 | 4.75% | −0.34% | Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are KS StateBank's best CD rates by term?
KS StateBank's best rate is 4.75% APY on 24 months, verified October 22, 2026.
- 6 mo4.35%
- 12 mo4.50%
- 24 mo4.75%
- 36 mo4.50%
- 48 mo4.50%
- 60 mo4.75%
- 84 mo4.75%
How much interest could a KS StateBank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$972.56 interest · $10,972.56 at maturity on $10,000.00.
4.75% APY · 24 months · 2 Year CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $107.894.35% APY · 6 Month CD · Standard | $215.784.35% APY · 6 Month CD · Standard | $539.454.35% APY · 6 Month CD · Standard | $1,078.904.35% APY · 6 Month CD · Standard |
| 12 months | $225.004.50% APY · 1 Year CD · Standard | $450.004.50% APY · 1 Year CD · Standard | $1,125.004.50% APY · 1 Year CD · Standard | $2,250.004.50% APY · 1 Year CD · Standard |
| 24 months | $486.284.75% APY · 2 Year CD · Standard | $972.564.75% APY · 2 Year CD · Standard | $2,431.414.75% APY · 2 Year CD · Standard | $4,862.814.75% APY · 2 Year CD · Standard |
| 36 months | $705.834.50% APY · 3 Year CD · Standard | $1,411.664.50% APY · 3 Year CD · Standard | $3,529.154.50% APY · 3 Year CD · Standard | $7,058.314.50% APY · 3 Year CD · Standard |
| 48 months | $962.594.50% APY · 4 Year CD · Standard | $1,925.194.50% APY · 4 Year CD · Standard | $4,812.974.50% APY · 4 Year CD · Standard | $9,625.934.50% APY · 4 Year CD · Standard |
| 60 months | $1,305.804.75% APY · 5 Year CD · Standard | $2,611.604.75% APY · 5 Year CD · Standard | $6,529.004.75% APY · 5 Year CD · Standard | $13,058.004.75% APY · 5 Year CD · Standard |
| 84 months | $1,919.084.75% APY · 7 Year CD · Standard | $3,838.164.75% APY · 7 Year CD · Standard | $9,595.394.75% APY · 7 Year CD · Standard | $19,190.784.75% APY · 7 Year CD · Standard |
How KS StateBank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 392 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| KS StateBank (this institution)2 Year CD · Standard | 24 months | $500 | Branches in AZ, KS | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking KS StateBank on October 22, 2026.
About KS StateBank
- Legal name
- KS StateBank
- Regulator ID
- FDIC 19899
- Headquarters
- Manhattan, KS
- Available in
- AZ, KS
- Total assets
- $2.6 billion
- Also known as
- Website
- ksstate.bank
Source: rates read from https://www.ksstate.bank/resources/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at KS StateBank?
Among the rates we track, 4.75% APY on a 24-month CD, as of October 22, 2026.
What is the minimum deposit for a KS StateBank CD?
The lowest minimum we found is $500.
How does KS StateBank's best CD rate compare with Treasury yields?
4.75% APY is −0.12% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.75% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are KS StateBank CDs insured?
KS StateBank is an FDIC-insured bank (FDIC 19899). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check KS StateBank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from KS StateBank's website and may change at any time. Confirm terms, minimums and eligibility with KS StateBank before opening an account. This page is not financial advice.