Bank · FDIC insured
First Federal Bank of Kansas City Savings Rates
First Federal Bank of Kansas City’s best savings rate is 0.15% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How First Federal Bank of Kansas City’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where First Federal Bank of Kansas City has the most branches. $10,000, best rate first.
This bank’s best
First Federal Bank of Kansas City
0.20%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $20
First Savings Plus
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
First Federal Bank of Kansas City savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.20%
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 First Federal Bank of Kansas City 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.
GROW Savings Account
0.10%APY
Requires an active consumer checking account. Rate and APY may change after account is opened. Limited to one GROW Savings Account per tax reporting account owner.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Account balances with $0 to $2499.99 will earn an interest rate of 4.89% and an APY of 5.00%. Requires an active consumer checking account. | 5.00% | — | Account balances with $0 to $2499.99 will earn an interest rate of 4.89% and an APY of 5.00%. Requires an active consumer checking account. |
| $2,500 and upAccount balances of $2,500.00 or more thereafter will earn an interest rate of 0.10% with an APY of 0.22% to 5.00%. Requires an active consumer checking account. | 0.10% | $10 | Account balances of $2,500.00 or more thereafter will earn an interest rate of 0.10% with an APY of 0.22% to 5.00%. Requires an active consumer checking account. |
Sources (3)
All captured Oct 5, 2026
Money Market
0.10%APY
Requires a $1,000 deposit to open. A $1,000 minimum daily balance is required to avoid maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000A $1,000 minimum balance is required to avoid maintenance service charge. | 0.10% | $10 | A $1,000 minimum balance is required to avoid maintenance service charge. |
| $25,000 – $100,000Requires a $1,000 deposit to open. | 0.50% | — | Requires a $1,000 deposit to open. |
| $100,000 – $250,000Requires a $1,000 deposit to open. | 1.00% | — | Requires a $1,000 deposit to open. |
| $250,000 – $500,000Requires a $1,000 deposit to open. | 2.02% | — | Requires a $1,000 deposit to open. |
| $500,000 and upRequires a $1,000 deposit to open. | 3.45% | — | Requires a $1,000 deposit to open. |
Sources (3)
All captured Oct 5, 2026
First Savings Plus
0.20%APY
Available exclusively to First Federal Bank checking accountholders. A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge. | 0.10% | — | A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge. |
| $1,000 and upA $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge. | 0.20% | $20 | A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge. |
Sources (3)
All captured Oct 5, 2026
Statement Savings
0.15%APY
No maintenance service charge if your daily account balance stays above $200.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000No maintenance service charge if your daily account balance stays above $200. | 0.10% | — | No maintenance service charge if your daily account balance stays above $200. |
| $1,000 and upNo maintenance service charge if your daily account balance stays above $200. | 0.15% | $15 | No maintenance service charge if your daily account balance stays above $200. |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Savings
0.20%APY
Traditional or Roth IRA available. IRS penalty for early withdrawal may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000IRS penalty for early withdrawal may apply. | 0.20% | — | IRS penalty for early withdrawal may apply. |
| $1,000 and upIRS penalty for early withdrawal may apply. | 0.20% | $20 | IRS penalty for early withdrawal may apply. |
Sources (3)
All captured Oct 5, 2026
Minor Savings
0.15%APY
No maintenance service charge (as long as your child is younger than 18). This account requires the minor Tax Owner to have joint ownership with a parent, spouse (age 18 or older), grandparent, or legal guardian. If the account is opened through our digital banking platform, the minor Tax Owner must be age 13 or older. Upon turning 18, your Minor Savings Account will be converted to a regular Statement Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000No maintenance service charge as long as child is younger than 18. | 0.10% | — | No maintenance service charge as long as child is younger than 18. |
| $1,000 and upNo maintenance service charge as long as child is younger than 18. | 0.15% | $15 | No maintenance service charge as long as child is younger than 18. |
Sources (3)
All 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.