Bank · FDIC insured
Exchange Bank & Trust Savings Rates
Exchange Bank & Trust’s best savings rate is 0.55% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Exchange Bank & Trust’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Exchange Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Exchange Bank & Trust
0.55%APY
- Minimum
- $500
- Earns on $10,000 a year
- $55
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
Exchange Bank & Trust savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.55%
- $100,000 balance$100,0001.35%
- QualifiedQualified0.55%
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 Exchange Bank & Trust 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 Account
0.55%APY
Interest is compounded and credited monthly. A $5.00 service fee applies if exceeding 4 withdrawals per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.55% | $55 |
| $25,000 – $50,000 | 0.80% | — |
| $50,000 – $100,000 | 0.95% | — |
| $100,000 – $250,000 | 1.35% | — |
| $250,000 and up | 1.80% | — |
Sources (3)
- ebt.bank/support/tools/rates.html
- ebt.bank/personal/personal-savings
- ebt.bank/personal/personal-sav…oney-market-account.html
All captured Sep 18, 2026
True Savings Account
0.20%APY
Interest is compounded and credited quarterly. 3 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Avoid the $1.00 monthly service fee by maintaining a daily balance of $100.00 per statement cycle. If closed before interest is credited, accrued interest is not received.Over $0 | 0.20% | $20 | Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Avoid the $1.00 monthly service fee by maintaining a daily balance of $100.00 per statement cycle. If closed before interest is credited, accrued interest is not received. |
Special-purpose accounts
Christmas Club Account
0.20%APY
Funds automatically released via check or direct deposit to an Exchange Bank account on October 31st of each calendar year. Early withdrawal results in a loss/forfeiture of interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. No monthly service fee or minimum balance requirements. Interest is forfeited if balance is withdrawn prior to maturity.Over $0 | 0.20% | $20 | Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. No monthly service fee or minimum balance requirements. Interest is forfeited if balance is withdrawn prior to maturity. |
Youth Savings Account
0.20%APY
Available only to those who have not reached the age of 18. Interest is compounded and credited quarterly. 3 free withdrawals per month; $1 fee for withdrawals in excess thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. No monthly service fee or minimum balance requirements. If closed before interest is credited, accrued interest is not received.Over $0 | 0.20% | $20 | Must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. No monthly service fee or minimum balance requirements. If closed before interest is credited, accrued interest is not received. |
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.