Credit union · NCUA insured
Central Missouri Community Credit Union Savings Rates
Top CarrotCentral Missouri Community Credit Union’s best savings rate is 1.01% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Central Missouri Community Credit Union’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Central Missouri Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Missouri Community Credit Union
1.01%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $101
Money Market Account
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Central Missouri Community Credit Union savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0002.02%
- QualifiedQualified1.01%
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 Central Missouri Community Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.01%APY
Must become a member of CMCCU. Minimum balance requirement is $2,500. No more than six (6) preauthorized, automatic, or telephone transfers may be made from this account to another in any month, with no more than three (3) made by check or draft to a third party.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. | 0.50% | — | Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. |
| $2,500 – $10,000Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. | 1.01% | $101 | Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. |
| $10,000 – $25,000Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. | 1.51% | — | Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. |
| $25,000 – $50,000Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. | 1.76% | — | Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. |
| Over $50,000Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. | 2.02% | — | Dividends based on average daily balance, compounded and credited monthly. If average daily balance falls below $2,500.00 a $10.00 monthly fee will be assessed. |
Sources (2)
All captured Oct 5, 2026
Regular Share Account
0.10%APY
Establishes membership in CMCCU. Minimum opening deposit of $1.00 (par value of one share). No monthly or quarterly service fees. Minimum balance of $50.00 to earn stated rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate. Requires $1.00 minimum opening deposit.$50 and up | 0.10% | $10 | Dividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate. Requires $1.00 minimum opening deposit. |
Sources (3)
- mycmccu.org/accounts/savings
- mycmccu.org/loans/lending/rates
- mycmccu.org/resources/applicat…s-and-forms/fee-schedule
All captured Oct 5, 2026
Trust Share Account
0.10%APY
Trust share account requiring a minimum balance of $50.00 to earn the stated rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate.$50 and up | 0.10% | $10 | Dividends are based on average daily balance and compounded and credited quarterly. Minimum balance of $50.00 to earn stated rate. |
Sources (1)
- mycmccu.org/loans/lending/rates · captured Oct 5, 2026
Special-purpose accounts
Christmas Club
2.02%APY
Can be opened anytime. No minimum balance requirement. No monthly or quarterly service fees. Dividends are compounded and credited annually on September 30. Funds transferred to primary share account on October 1. $10.00 fee per withdrawal occurrence.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are compounded and credited annually, with a dividend period from October 1 to September 30. On September 30 annual dividends are posted, and on October 1 funds are transferred to primary share account.Any balance | 2.02% | $202 | Dividends are compounded and credited annually, with a dividend period from October 1 to September 30. On September 30 annual dividends are posted, and on October 1 funds are transferred to primary share account. |
Sources (2)
All captured Oct 5, 2026
IRA Share Account
0.10%APY
Traditional IRA, Roth IRA and Coverdell Educational IRA programs available. No minimum balance requirement. No monthly or quarterly service fees. Dividends are paid quarterly on balances of $50 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends are based on the average daily balance and are compounded and credited quarterly on balances of $50 or more. Interest rates and APY may change every calendar month based on determination of the Board of Directors.$50 and up | 0.10% | $10 | Dividends are based on the average daily balance and are compounded and credited quarterly on balances of $50 or more. Interest rates and APY may change every calendar month based on determination of the Board of Directors. |
Sources (2)
All captured Oct 5, 2026
Vacation Account
0.10%APY
Separate share account for vacation funds. No minimum balance requirement. No monthly or quarterly service fees. Withdrawals may be made once per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are based on average daily balance and compounded and credited quarterly.Any balance | 0.10% | $10 | Dividends are based on average daily balance and compounded and credited quarterly. |
Sources (2)
All captured Oct 5, 2026
Youth Savings Account
0.10%APY
For children of CMCCU members aged 12 and under. No monthly or quarterly service fees. Requires minimum opening deposit/balance of $1.00 ($10.00 to earn stated rate).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends are based on the average daily balance and compounded and credited quarterly. Minimum balance of $10.00 to earn the annual percentage rate. Kirby Kangaroo / Youth Savings accounts require $1.00 opening deposit.$10 and up | 0.10% | $10 | Dividends are based on the average daily balance and compounded and credited quarterly. Minimum balance of $10.00 to earn the annual percentage rate. Kirby Kangaroo / Youth Savings accounts require $1.00 opening deposit. |
Sources (2)
All captured Oct 5, 2026
Who can join Central Missouri Community Credit Union
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