Bank · FDIC insured
Mid-America Bank Savings Rates
Top CarrotMid-America Bank’s best savings rate is 2.27% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Mid-America Bank’s savings rates compare
Compared with banks and credit unions near Lawrence, KS, where Mid-America Bank has the most branches. $10,000, best rate first.
This bank’s best
Mid-America Bank
2.27%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $227
Money Market
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
Mid-America Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0002.27%
- $100,000 balance$100,0003.04%
- QualifiedQualified2.27%
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 Mid-America Bank 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
2.27%APY
$10 minimum balance fee if balance falls below $2,500. Excess Transaction Fee: $5 fee for each additional debit beyond the 10th per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $5,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 2.02% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $5,000 – $20,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 2.27% | $227 | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $20,000 – $50,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 2.53% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $50,000 – $100,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 2.78% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $100,000 – $500,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 3.04% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $500,000 – $1,000,000$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 3.30% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
| $1,000,000 and up$10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. | 3.82% | — | $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month. |
Sources (3)
- mid-americabank.com/personal-rates
- mid-americabank.com/personal-savings
- mid-americabank.com/s/2026-07-…sumer-Interest-Rates.pdf
All captured Oct 5, 2026
Savings
0.25%APY
$1 minimum balance fee if balance falls below $10. Excess Transaction Fee: $5 fee for each additional debit beyond the third.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upBalance tier to earn APY: $10+$10 and up | 0.25% | $25 | Balance tier to earn APY: $10+ |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Account (HSA)
1.00%APY
Must be combined with a high-deductible health plan. Tax-advantaged account for eligible medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalance tier to earn APY: $0+Any balance | 1.00% | $100 | Balance tier to earn APY: $0+ |
Sources (2)
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.