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A Comprehensive Guide to Choosing the Best Banks and Bank Rates in Kansas

Introduction:

Selecting the right bank is crucial for effective financial management. In Kansas, a state with a diverse financial sector, finding the best bank is essential for your financial well-being. In this article, we will explore key factors to consider when choosing a bank in Kansas and highlight some of the best bank rates currently available in the state.

Define Your Financial Goals:

Start by defining your financial goals and needs. Assess whether you require basic banking services, specialized accounts, loans, credit cards, or investment opportunities. Understanding your objectives will help you narrow down your options and find a bank that aligns with your specific needs.

What are the top 5 major banks?
Research Bank Reputation and Stability:

The reputation and stability of a bank are crucial considerations. Look for banks with a strong presence in Kansas, a history of reliability, and positive customer feedback. A financially secure bank provides peace of mind and ensures the safety of your funds.

Evaluate the Range of Services:

Consider the range of services offered by each bank. Assess whether they provide convenient online and mobile banking options, accessible ATM networks, and branch locations that suit your preferences. Additionally, look for value-added services such as financial planning assistance, wealth management solutions, or educational resources that can contribute to your financial success.

Assess Fees and Charges:

Compare the fee structures of potential banks, including maintenance fees, ATM fees, overdraft fees, and transaction charges. Carefully review the fee schedules to ensure they align with your banking habits and minimize unnecessary costs. Some banks may offer fee waivers or reduced fees for certain account types, so be sure to review the terms and conditions.

Compare Interest Rates:

Interest rates play a significant role in optimizing your savings and reducing borrowing costs. Look for banks that offer competitive interest rates on savings accounts, certificates of deposit (CDs), personal loans, and mortgages. Higher interest rates can help grow your savings, while lower rates can save you money on loans. Consider associated terms and conditions, such as minimum balances or introductory rates.

Best Bank Rates in Kansas:
While specific rates may vary over time, the following banks in Kansas have consistently offered competitive rates:
a) Commerce Bank:

With a strong presence in Kansas, Commerce Bank offers competitive interest rates on savings accounts, CDs, and mortgage loans.

b) Capitol Federal Savings Bank:

A trusted financial institution in Kansas, Capitol Federal Savings Bank provides competitive rates on savings accounts, CDs, and personal loans.

c) Meritrust Credit Union:

Known for its community focus, Meritrust Credit Union offers competitive interest rates on savings accounts, CDs, and mortgage loans.

c) Meritrust Credit Union:

Known for its community focus, Meritrust Credit Union offers competitive interest rates on savings accounts, CDs, and mortgage loans.

d) Central Bank and Trust Co.:

With a wide range of banking products, Central Bank and Trust Co. offers competitive rates on savings accounts, CDs, and personal loans.

Conclusion:

Choosing the best bank in Kansas involves careful consideration of your financial goals, the bank's reputation and stability, the range of services offered, fee structures, and competitive interest rates. By conducting thorough research and assessing your needs, you can find a bank that provides convenience, security, and favorable rates. Regularly reviewing your banking requirements will ensure that your financial goals continue to be met effectively.

Equity Bank Locations


All Locations | Locations by State/City | Zip Code Search

Show all 67 domestic offices, branches & locations

IDBranch NameBranch Address
1
1ST & BROADWAY BRANCH
102 N Broadway St, Pittsburg KS 66762
2
Almena Branch
500 Main St, Almena KS 67622
3
AUGUSTA BRANCH
133 E 7th Ave, Augusta KS 67010
4
BERRYVILLE BRANCH
911 W Trimble Ave, Berryville AR 72616
5
BLUE SPRINGS BRANCH
651 Ne Coronado Dr, Blue Springs MO 64014
6
CLINTON BRANCH 85
615 E Ohio St, Clinton MO 64735
7
COFFEYVILLE BRANCH
902 Mcarthur St, Coffeyville KS 67337
8
COMMUNITY FIRST BANK, PEA RIDGE
198 Slack St, Pea Ridge AR 72751
9
EAST KELLOGG BRANCH
7701 E Kellogg Dr, Wichita KS 67207
10
Equity Bank
345 N Andover Rd, Andover KS 67002
11
EQUITY ELLIS BRANCH
916 Washington St, Ellis KS 67637
12
EXPRESS BANK SOUTH BRANCH
930 S Kansas Ave, Liberal KS 67901
13
FIRST COMMUNITY BRANCH
301 Se Main St, Lees Summit MO 64063
14
FIRST NATIONAL BANK OF LIBERAL - EXPRESS BANK BRANCH
23 W 4th St, Liberal KS 67901
15
GAGE BRANCH
3825 Sw 29th St, Topeka KS 66614
16
GARDEN CITY BRANCH
1901 E Mary St, Garden City KS 67846
17
GREAT BEND BRANCH
1321 Main St, Great Bend KS 67530
18
GRINNELL BRANCH
106 S Adams, Grinnell KS 67738
19
GUYMON BRANCH
601 N Main St, Guymon OK 73942
20
Guymon Drive Thru Branch
204 Nw 4th St, Guymon OK 73942
21
HARRISON BRANCH
200 E Ridge Ave, Harrison AR 72601
22
HARRISON BRANCH
1304 Highway 62 65 N, Harrison AR 72601
23
HAYS BRANCH
2428 Vine St, Hays KS 67601
24
HIGGINSVILLE HWY BRANCH 36
1919 Highway 13 Blvd, Higginsville MO 64037
25
HOLCOMB BRANCH
401 N Henderson St, Holcomb KS 67851
26
HOXIE BRANCH
745 Main St, Hoxie KS 67740
27
HUGOTON BRANCH
502 S Jackson St, Hugoton KS 67951
28
INDEPENDENCE BRANCH
112 E Myrtle St, Independence KS 67301
29
Kansas City Hq Branch
7035 College Blvd, Overland Park KS 66211
30
KNOB NOSTER BRANCH 10
200 N State St, Knob Noster MO 65336


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Data by FIDC (The Federal Deposit Insurance Corporation), report date: 2023-06-30

Daily Best Banks' CD Rates

Program
Rate
Bank
1 Yr
4.52%
TAB Bank: 4.52%, Min. deposit to open $1,000
1 Yr
4.50%
Popular Direct: 4.50%, Min. deposit to open $10,000
1 Yr
4.40%
Limelight Bank: 4.40%, Min. deposit to open $1,000
1 Yr
4.40%
Live Oak Bank: 4.40%, Min. deposit to open $2,500
1 Yr
4.25%
Marcus by Goldman Sachs: 4.25%, Min. deposit to open $500
1 Yr
4.25%
Bank5 Connect: 4.25%, Min. deposit to open $500
1 Yr
4.25%
Bask Bank: 4.25%, Min. deposit to open $1,000
1 Yr
4.21%
CIBC Bank USA: 4.21%, Min. deposit to open $1,000
1 Yr
4.20%
First Internet Bank of Indiana: 4.20%, Min. deposit to open $1,000
1 Yr
4.15%
Barclays Bank: 4.15%, Min. deposit to open $0

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.