How often are rates on KCBanks.com updated?
We refresh rates daily from each institution's published sources. Every listing shows a freshness dot: green means verified within 24 hours, amber 24–48 hours, and red means older than 48 hours. Always confirm the current rate with the institution before opening an account.
Deposit and loan rates move constantly, so KCBanks re-checks them every day against each bank's and credit union's published rates.
The freshness indicator
| Dot | Meaning |
|---|---|
| 🟢 Green | Verified within the last 24 hours |
| 🟡 Amber | Verified 24–48 hours ago |
| 🔴 Red | Older than 48 hours — treat as stale |
You'll see this dot on every rate row so you always know how current a number is. Rankings are based on APY, fees, accessibility, and freshness — never on advertising.
Because rates can change between refreshes, always confirm the current rate directly with the institution before opening an account. Start with today's Kansas City CD rates or savings rates.