Best Banks & Credit Unions in Garden City, Kansas

Banks and credit unions serving Garden City, Kansas. Compare up to 1.00% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Garden City, Kansas. All rankings inherit from the Kansas state directory. Every institution listed is licensed to serve Garden City residents and is either headquartered in Kansas or operates branches in the metro.

Top options in Garden City

• KS StateBank: 3.95% APY. 12-month 1 Year CD: $500 minimum to open; interest compounded and credited quarterly; a substantial penalty may be charged for early withdrawal. Read Sep 7, 2026 on ksstate.bank. Rates as of 2026-05-05 per the page.
• Navy Federal Credit Union: 3.70% APY. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
• Mazuma Credit Union: 3.60% APY. 12-month Classic Certificate: Classic Certificates carry a $500 minimum; the Signature ($10,000) and Premier ($25,000) 1-year certificates pay 3.70% and 3.80% APY. Read Sep 7, 2026 on mazuma.org. Rates as of 2026-09-01 per the page.
• Meritrust Credit Union: 3.50% APY. 12-month Certificate of Deposit: $500 minimum opening balance and $500 to earn dividends; early withdrawal penalties may apply; the 10-month term pays 4.00% APY. Read Sep 7, 2026 on meritrust.org. Rates as of 2026-09-07 per the page.
• CommunityAmerica Credit Union: 3.40% APY. 12-month Share Certificate: Minimum deposit for a Share Certificate is $500; substantial penalty for early withdrawal; the 7-month and 11-month terms pay 3.80% APY. Read Sep 7, 2026 on communityamerica.com. Rates as of 2026-09-06 per the page.
• CommunityAmerica Credit Union: 3.20% APY. Advantage Money Market: One rate on all balances; $1,000 minimum opening deposit; a $10 monthly fee applies if the balance falls below $1,000 at any time; the tiered Premier Money Market pays 0.25% APY on $0.00-$9,999.99. Read Sep 7, 2026 on communityamerica.com. Rates as of 2026-09-06 per the page.

Other Kansas cities

See the full Kansas banks directory for every institution we've verified in the state, plus the underlying methodology.