Best Banks in Kansas City, MO & KS
160 banks and credit unions have branches in Kansas City — 117 banks and 43 credit unions. Institutions with published rates are ranked by APY; the rest are listed below.
Quick answer
The best published deposit rate from a Kansas City institution right now is 5.09% APY · Checking from Pony Express Bank. KCBanks.com tracks all 160 local institutions daily and ranks purely by rate — never by advertising.
Ranked by published rates
1
Pony Express BankTop rate
Bank · 1 branch in KC metro
5.09% APY · Checking
2
Silver Lake Bank
Bank · 1 branch in KC metro
5.00% APY · Savings
3
First Federal Bank of Kansas City
Bank · 9 branches in KC metro
5.00% APY · Savings
4
OMB Bank
Bank · 2 branches in KC metro
4.65% APY · 21 months CD
5
Argentine Federal Savings
Bank · 2 branches in KC metro
4.65% APY · 4 months CD
6
Midwest Heritage Bank, FSB
Bank · 1 branch in KC metro
4.50% APY · 2 years CD
7
TriCentury Bank
Bank · 1 branch in KC metro
4.50% APY · 5 years CD
8
Union Bank and Trust Company
Bank · 2 branches in KC metro
4.40% APY · 2 years CD
9
Academy Bank
Bank · 26 branches in KC metro
4.40% APY · 1 year CD
10
Core Bank
Bank · 1 branch in KC metro
4.40% APY · 5 years CD
11
Community Bank of Marshall
Bank · 2 branches in KC metro
4.35% APY · 18 months CD
12NF
Navy Federal Credit Union
Credit union · 1 branch in KC metro
4.35% APY · 1 year CD
13
Southern Bank
Bank · 7 branches in KC metro
4.30% APY · 11 months CD
14
Mid-America Bank
Bank · 1 branch in KC metro
4.30% APY · 5 years CD
15
Community Bank of Pleasant Hill
Bank · 1 branch in KC metro
4.28% APY · 3 years CD
16
Community Bank of Raymore
Bank · 3 branches in KC metro
4.28% APY · 3 years CD
17
nbkc bank
Bank · 4 branches in KC metro
4.26% APY · 7 months CD
18
First State Bank of St. Charles, Missouri
Bank · 3 branches in KC metro
4.25% APY · 7 months CD
19
Azura Credit Union
Credit union · 3 branches in KC metro
4.25% APY · 5 years CD
20
Capitol Federal Savings Bank
Bank · 20 branches in KC metro
4.20% APY · 48 months CD
21
First Bank
Bank · 1 branch in KC metro
4.20% APY · 13 months CD
22
Community Bank of Missouri
Bank · 1 branch in KC metro
4.16% APY · 7 months CD
23
CommunityAmerica Credit Union
Credit union · 34 branches in KC metro
4.10% APY · 2 years CD
24
The Union State Bank of Everest
Bank · 1 branch in KC metro
4.10% APY · 2 years CD
25
TBO Bank
Bank · 1 branch in KC metro
4.08% APY · 9 months CD
26
Security Bank of Kansas City
Bank · 35 branches in KC metro
4.06% APY · 13 months CD
27CF
Citizens Federal Savings Bank
Bank · 3 branches in KC metro
4.06% APY · 18 months CD
28
Blue Ridge Bank and Trust Co.
Bank · 8 branches in KC metro
4.05% APY · Checking
29
Central National Bank
Bank · 2 branches in KC metro
4.05% APY · 14 months CD
30
Busey Bank
Bank · 3 branches in KC metro
4.00% APY · 11 months CD
31
Sunflower Bank
Bank · 2 branches in KC metro
4.00% APY · 9 months CD
32
Truity Credit Union
Credit union · 1 branch in KC metro
4.00% APY · 19 months CD
33
Central Bank of Kansas City
Bank · 2 branches in KC metro
3.91% APY · 3 years CD
34
CoreFirst Bank & Trust
Bank · 2 branches in KC metro
3.90% APY · 17 months CD
35
UMB Bank
Bank · 35 branches in KC metro
3.86% APY · Money Market
36
Mazuma Credit Union
Credit union · 11 branches in KC metro
3.85% APY · 18 months CD
37BN
Bank Northwest
Bank · 3 branches in KC metro
3.80% APY · 13 months CD
38
Armed Forces Bank
Bank · 2 branches in KC metro
3.75% APY · 1 year CD
39
Mainstreet Credit Union
Credit union · 9 branches in KC metro
3.64% APY · 1 year CD
40B2
Bank 21
Bank · 1 branch in KC metro
3.50% APY · 1 year CD
41
BOKF
Bank · 5 branches in KC metro
3.50% APY · 14 months CD
42
U.S. Bank
Bank · 36 branches in KC metro
3.50% APY · Checking
43
Hawthorn Bank
Bank · 7 branches in KC metro
3.01% APY · Checking
44FS
Farmers State Bank
Bank · 1 branch in KC metro
3.00% APY · Savings
45
Mutual Savings Association
Bank · 4 branches in KC metro
3.00% APY · 5 years CD
46
The Hamilton Bank
Bank · 3 branches in KC metro
2.82% APY · 6 months CD
47
Great Southern Bank
Bank · 7 branches in KC metro
2.78% APY · Money Market
48
First-Citizens Bank & Trust Company
Bank · 2 branches in KC metro
2.50% APY · 5 months CD
49
Emprise Bank
Bank · 1 branch in KC metro
2.50% APY · Savings
50
Oakstar Bank
Bank · 5 branches in KC metro
2.00% APY · Checking
51
Intrust Bank
Bank · 4 branches in KC metro
2.00% APY · Money Market
52
Bank of Weston
Bank · 3 branches in KC metro
1.85% APY · Checking
53
Exchange Bank & Trust
Bank · 5 branches in KC metro
1.80% APY · Money Market
54
Wells Fargo Bank
Bank · 5 branches in KC metro
1.50% APY · 1 year CD
55
Liberty Bank and Trust Company
Bank · 2 branches in KC metro
0.15% APY · Savings
More institutions in Kansas City
These don't currently publish rates online — check their profile for branches and contact info.
1M
1st Midamerica
1 branch
Adrian Bank
1 branch
America's Community Bank
1 branch
Arvest Bank
20 branches
B
B&V
1 branch
Bank of America
28 branches
BO
Bank of England
1 branch
Bank of Labor
6 branches
Bank of Odessa
1 branch
Bank of Prairie Village
1 branch
Bank of Springfield
1 branch
Bison State Bank
1 branch
BE
Bluescope Employees'
3 branches
BMO Bank
19 branches
BTC Bank
3 branches
BN
Burlington Northtown Community
1 branch
Carroll County Trust Company
1 branch
CF
Catholic Family
1 branch
CC
Central Communications
2 branches
CB
Citizens Bank
2 branches
C
City
1 branch
Commerce Bank
38 branches
CF
Community First Bank
1 branch
Community National Bank
3 branches
CB
Concordia Bank
3 branches
CB
Connections Bank
3 branches
CB
Cornerstone Bank
1 branch
C
CSD
2 branches
DM
Del Met
1 branch
Enterprise Bank & Trust
9 branches
Equity Bank
6 branches
ES
Exchange State Bank
1 branch
FC
F & C Bank
1 branch
FA
Farmers and Merchants Bank of Mound City
1 branch
Farmers Bank & Trust
2 branches
FI
Farmers Insurance
2 branches
FB
Fidelity Bank
1 branch
First Business Bank
1 branch
First Federal Savings and Loan Bank
1 branch
FH
First Heritage Bank
1 branch
First National Bank of Omaha
31 branches
First Option Bank
1 branch
FS
First Security Bank
1 branch
First State Bank and Trust
5 branches
Flat Branch Bank
1 branch
Frontier Community Credit Union
3 branches
Fusion Bank
1 branch
GF
Goppert Financial Bank
2 branches
Great American Bank
3 branches
HNB National Bank
2 branches
HR
Holy Rosary
3 branches
IT
Independence Teachers
1 branch
I
Interfaith
1 branch
JPMorgan Chase Bank
25 branches
KC
K C K Firemen & Police
1 branch
K
K.U.M.C.
2 branches
KC
Kansas City
3 branches
KA
KC Area
3 branches
KF
KC Fairfax
1 branch
KU
KC Unidos
1 branch
Kendall Bank
2 branches
Labette Bank
2 branches
Landmark National Bank
3 branches
Lead Bank
2 branches
MA
Mid American
1 branch
MR
Midwest Regional
1 branch
MC
Missouri Central
1 branch
National Advisors Trust Company
1 branch
NB
NBH Bank
19 branches
North American Savings Bank, F.S.B.
8 branches
N
Nova
1 branch
Outdoor Bank
1 branch
Patriots Bank
1 branch
Pinnacle Bank
1 branch
PNC Bank
3 branches
PB
Preferred Bank
1 branch
PS
Public Safety
5 branches
QH
Quindaro Homes
1 branch
RG
R G
2 branches
RS
Raytown-Lee'S Summit Community
2 branches
R
Reliance
2 branches
RD
Roberts Dairy Employees
1 branch
Sherwood Community Bank
3 branches
Simmons Bank
3 branches
S
SM
2 branches
State Bank of Missouri
2 branches
State Street Bank and Trust Company
1 branch
Sterling Bank
1 branch
SR
Summit Ridge
2 branches
The Bank of Grain Valley
2 branches
The Central Trust Bank
44 branches
The Citizens National Bank
2 branches
TC
The Citizens State Bank and Trust Company
1 branch
The Farmers State Bank of Blue Mound
2 branches
TF
The Farmers State Bank of Oakley
1 branch
TF
The First National Bank of Louisburg
2 branches
The First Security Bank
1 branch
The Nodaway Valley Bank
2 branches
US
U S P L K Employees
1 branch
UC
United Consumers
4 branches
UL
United Labor
1 branch
UO
Unity One
1 branch
Verimore Bank
5 branches
W
Wedevelopment
1 branch
WH
Wood & Huston Bank
1 branch
Banks in Kansas City — FAQ
- How many banks are in Kansas City?
- Kansas City has 117 banks and 43 credit unions with local branches — 160 institutions in total, all FDIC or NCUA insured.
- Which bank has the best rates in Kansas City?
- Among institutions with branches in Kansas City, Pony Express Bank currently publishes the highest deposit rate we track: 5.09% APY · Checking. Rankings are based purely on published APY, never advertising.
- Are Kansas City banks and credit unions insured?
- Yes — every institution listed is federally insured: banks by the FDIC and credit unions by the NCUA, protecting deposits up to $250,000 per depositor, per institution.