● LIVEACADEMY BANK 1-YR CD 4.15%MAINSTREET CREDIT UNION SAVINGS 5.25%MID-AMERICA BANK MONEY MARKET 3.82%30-YR FIXED FROM 5.75%HELOC FROM 5.24%
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Monthly market snapshot

Kansas City Bank Rate Report — September 2026

How Kansas City's deposit and loan rates stack up this month, tracked live across 35 local banks and credit unions (29 banks, 6 credit unions) in MO & KS.

· updated daily
This month at a glance

In September 2026, the best CD rate in Kansas City is 4.15% APY from Academy Bank, the best high-yield savings rate is 5.25% APY, and the lowest 30-year mortgage rate is 5.75% APR. On average, local credit unions are paying higher CD yields than banks this month.

4.15%
Best CD APY
5.25%
Best Savings APY
5.75%
Low Mortgage APR
35
Institutions
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Best deposit rates in Kansas City

1-Year CD

Best 4.15% · Avg 3.37% · 22 inst.
  1. 1Academy BankBANK4.15%APY
  2. 2Navy Federal Credit UnionCU4.00%APY
  3. 3Midwest Heritage Bank, FSBBANK4.00%APY
  4. 4Argentine Federal SavingsBANK3.95%APY
  5. 5Union Bank and Trust CompanyBANK3.85%APY

High-Yield Savings

Best 5.25% · Avg 1.94% · 17 inst.
  1. 1Mainstreet Credit UnionCU5.25%APY
  2. 2Silver Lake BankBANK5.00%APY
  3. 3First Federal Bank of Kansas CityBANK5.00%APY
  4. 4Security Bank of Kansas CityBANK3.56%APY
  5. 5U.S. BankBANK3.50%APY

Money Market

Best 3.82% · Avg 2.41% · 14 inst.
  1. 1Mid-America BankBANK3.82%APY
  2. 2UMB BankBANK3.71%APY
  3. 3CommunityAmerica Credit UnionCU3.45%APY
  4. 4U.S. BankBANK3.40%APY
  5. 5Armed Forces BankBANK3.05%APY
Banks vs credit unions

This month, the average 1-year CD APY among Kansas City credit unions is 3.69%, versus 3.30% among banks.

3.69%
Credit union avg
3.30%
Bank avg

Lowest loan rates in Kansas City

30-Yr Mortgage

Best 5.75% · Avg 6.25% · 5 inst.
  1. 1Navy Federal Credit UnionCU5.75%APR
  2. 2Citizens Federal Savings BankBANK5.93%APR
  3. 3Security Bank of Kansas CityBANK6.14%APR
  4. 4Truity Credit UnionCU6.33%APR
  5. 5Fidelity BankBANK7.07%APR

HELOC

Best 5.24% · Avg 5.67% · 7 inst.
  1. 1CommunityAmerica Credit UnionCU5.24%APR
  2. 2UMB BankBANK5.49%APR
  3. 3Armed Forces BankBANK5.49%APR
  4. 4Academy BankBANK5.49%APR
  5. 5Intrust BankBANK5.75%APR

Mortgage benchmark

Local lenders price mortgages individually, so there's no single comparable KC rate. These are the national weekly averages from Freddie Mac's Primary Mortgage Market Survey — the industry yardstick.

6.76%
30-Yr Fixed Avg
6.09%
15-Yr Fixed Avg

Cite this report

Writing about Kansas City banking? This report is free to cite. Please credit KCBanks.com with a link to this page. Rates are compiled daily from published sources across 35 FDIC- and NCUA-insured KC-metro institutions; see our methodology.

KCBanks.com, “Kansas City Bank Rate Report — September 2026,” kcbanks.com/kc-rate-report