● LIVETRICENTURY BANK 1-YR CD 4.00%MAINSTREET CREDIT UNION SAVINGS 5.25%MID-AMERICA BANK MONEY MARKET 3.82%
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Monthly market snapshot

Kansas City Bank Rate Report — July 2026

How Kansas City's deposit and loan rates stack up this month, tracked live across 31 local banks and credit unions (26 banks, 5 credit unions) in MO & KS.

· updated daily
This month at a glance

In July 2026, the best CD rate in Kansas City is 4.00% APY from TriCentury Bank, the best high-yield savings rate is 5.25% APY. On average, local credit unions are paying higher CD yields than banks this month.

4.00%
Best CD APY
5.25%
Best Savings APY
3.82%
Best Money Market
31
Institutions

Best deposit rates in Kansas City

1-Year CD

Best 4.00% · Avg 3.02% · 21 inst.
  1. 1TriCentury BankBANK4.00%APY
  2. 2First Federal Bank of Kansas CityBANK3.90%APY
  3. 3Union Bank and Trust CompanyBANK3.85%APY
  4. 4Argentine Federal SavingsBANK3.85%APY
  5. 5Mid-America BankBANK3.79%APY

High-Yield Savings

Best 5.25% · Avg 1.95% · 20 inst.
  1. 1Mainstreet Credit UnionCU5.25%APY
  2. 2Silver Lake BankBANK5.00%APY
  3. 3First Federal Bank of Kansas CityBANK5.00%APY
  4. 4CommunityAmerica Credit UnionCU5.00%APY
  5. 5Security Bank of Kansas CityBANK3.56%APY

Money Market

Best 3.82% · Avg 1.89% · 17 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. 5Mazuma Credit UnionCU3.00%APY
Banks vs credit unions

This month, the average 1-year CD APY among Kansas City credit unions is 3.58%, versus 2.92% among banks.

3.58%
Credit union avg
2.92%
Bank 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 31 FDIC- and NCUA-insured KC-metro institutions; see our methodology.

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