Bank · FDIC insured
Bank 21 Savings Rates
Bank 21’s best savings rate is 1.75% APY on $10,000, with its MONEY MARKET. Rates checked October 16, 2026.
How Bank 21’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Bank 21 has the most branches. $10,000, best rate first.
This bank’s best
Bank 21
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $300
Saver
Top rate
Truity Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Bank 21 savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0002.75%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Bank 21 ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
MONEY MARKET
1.75%APY
The interest rate and annual percentage yield may change after opening a transaction account. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Minimum balance to obtain APY is $1,000.00. | 1.75% | $175 | Minimum balance to obtain APY is $1,000.00. |
| $25,000 – $50,000 | 2.00% | — | |
| $50,000 – $100,000 | 2.50% | — | |
| $100,000 – $250,000 | 2.75% | — | |
| $250,000 and up | 3.00% | — |
Sources (1)
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html · captured Oct 5, 2026
Saver
Up to 3.00%APY
Requires a linked High Interest Checking or Cash Back Checking account. Limit of 1 account per Social Security Number. $25 minimum deposit to open. No recurring monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Qualifying rate tier when linked checking account qualifications are met during the Monthly Qualification Cycle. | 3.00% | $300 | Qualifying rate tier when linked checking account qualifications are met during the Monthly Qualification Cycle. |
| Any balanceApplies to entire balance when linked checking account qualifications are not met during the Monthly Qualification Cycle. | 0.05% | $5 | Applies to entire balance when linked checking account qualifications are not met during the Monthly Qualification Cycle. |
Sources (2)
- onlinebanking.bank21.com/Pages/personalaccounts.html
- onlinebanking.bank21.com/Pages/savings_accounts.html
All captured Oct 5, 2026
Statement Savings
0.25%APY
Monthly fee of $5.00 if balance falls below $25.00. Maximum of 6 withdrawals per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $25Minimum balance to obtain APY is $25.01 based on daily balance. Monthly fee of $5.00 applies if balance falls below $25.00.Over $25 | 0.25% | $25 | Minimum balance to obtain APY is $25.01 based on daily balance. Monthly fee of $5.00 applies if balance falls below $25.00. |
Sources (2)
- onlinebanking.bank21.com/Pages/savings_accounts.html
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html
All captured Oct 5, 2026
Special-purpose accounts
IRA MONEY MARKET
2.00%APY
The interest rate and annual percentage yield may change after opening a transaction account. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum balance to obtain APY is $1,000.00.$1,000 and up | 2.00% | $200 | Minimum balance to obtain APY is $1,000.00. |
Sources (1)
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html · captured Oct 5, 2026
Christmas Club
1.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum balance to obtain APY is based on a daily balance of $1.00.$1 and up | 1.00% | $100 | Minimum balance to obtain APY is based on a daily balance of $1.00. |
Sources (1)
- onlinebanking.bank21.com/Pages/CurrentDepositRates.html · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.