Bank · FDIC insured
Midland States Bank Savings Rates
Midland States Bank’s best savings rate is 1.38% APY, with its Money Market Account (MMA), with extra requirements. Rates checked October 16, 2026.
How Midland States Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Midland States Bank has the most branches. $10,000, best rate first.
This bank’s best
Midland States Bank
1.38%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $138
Money Market Account (MMA)
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Midland States Bank savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0000.10%
- QualifiedQualified1.38%
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 Midland States 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 Account (MMA)
Up to 1.38%APY
$15 monthly service charge is waived with a daily balance of $2,500. Minimum daily balance to earn interest is $0.01.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. | 1.06% | — | Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. |
| Up to $10,000Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. | 0.07% | — | Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $10,000 – $25,000Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. | 1.38% | $138 | Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $10,000 – $25,000Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. | 0.07% | $7 | Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $25,000 – $250,000Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. | 3.25% | — | Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $25,000 – $250,000Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. | 0.10% | — | Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $250,000 – $1,000,000Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. | 3.25% | — | Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $250,000 – $1,000,000Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. | 0.13% | — | Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $1,000,000 and upRelationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. | 3.25% | — | Relationship APY requires an eligible Midland High Yield Checking account with at least one common owner. Monthly fee of $15 is waived with a $2,500 daily balance. |
| $1,000,000 and upStandard APY. Monthly fee of $15 is waived with a $2,500 daily balance. | 0.16% | — | Standard APY. Monthly fee of $15 is waived with a $2,500 daily balance. |
Sources (2)
All captured Sep 25, 2026
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