Bank · FDIC insured
FNBO Savings Rates
FNBO’s best savings rate is 0.02% APY on $10,000, with its Basic Money Market. Rates checked October 22, 2026.
How FNBO’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where FNBO has the most branches. $10,000, best rate first.
This bank’s best
FNBO
0.08%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $8
Premier Money Market
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
FNBO savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.02%
- QualifiedQualified0.08%
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 FNBO 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.
Premier Money Market
0.08%APY
Requires a Premier Checking relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.08% | — |
| $5,000 – $25,000 | 0.08% | $8 |
| $25,000 – $100,000 | 0.10% | — |
| $100,000 – $500,000 | 0.10% | — |
| $500,000 – $1,000,000 | 0.12% | — |
| $1,000,000 – $2,500,000 | 0.12% | — |
| $2,500,000 and up | 0.12% | — |
Sources (1)
- fnbo.com/personal-banking/savings/money-market · captured Oct 5, 2026
Money Market
0.04%APY
Requires a Free Checking, Access Debit Account, or Premier Checking Relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.04% | — |
| $5,000 – $25,000 | 0.04% | $4 |
| $25,000 – $100,000 | 0.06% | — |
| $100,000 – $500,000 | 0.06% | — |
| $500,000 – $1,000,000 | 0.08% | — |
| $1,000,000 – $2,500,000 | 0.08% | — |
| $2,500,000 and up | 0.08% | — |
Sources (1)
- fnbo.com/personal-banking/savings/money-market · captured Oct 5, 2026
Basic Money Market
0.02%APY
No checking relationship required. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.02% | — |
| $5,000 – $25,000 | 0.02% | $2 |
| $25,000 – $100,000 | 0.02% | — |
| $100,000 – $500,000 | 0.02% | — |
| $500,000 – $1,000,000 | 0.02% | — |
| $1,000,000 – $2,500,000 | 0.02% | — |
| $2,500,000 and up | 0.02% | — |
Sources (1)
- fnbo.com/personal-banking/savings/money-market · 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.