Credit union · NCUA insured
Missouri Central Credit Union Savings Rates
Missouri Central Credit Union’s best savings rate is 1.10% APY on $10,000, with its Premier Money Market. Rates checked October 16, 2026.
How Missouri Central Credit Union’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Missouri Central Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Missouri Central Credit Union
1.10%APY
- Minimum
- $1
- Earns on $10,000 a year
- $110
Premier 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
Missouri Central Credit Union savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.60%
- QualifiedQualified1.10%
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 Missouri Central Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Premier Money Market
1.10%APY
Tiered rate account where the interest rate and APY apply to the full balance once a tier balance range is met. Interest compounded and credited monthly using the average daily balance method. Limited to 6 transfers/withdrawals per month. Requires maintaining a $1.00 minimum share in Share Savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 0.80% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $1,000 – $10,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.00% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $10,000 – $25,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.10% | $110 | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $25,000 – $50,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.20% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $50,000 – $75,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.30% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $75,000 – $200,000Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.60% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
| $200,000 and upInterest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. | 1.90% | — | Interest is paid and subject to change monthly. Full balance tier rate. Limit of 6 transfers/withdrawals per month. |
Sources (2)
- mocentral.org/Rates · captured Oct 5, 2026
- mocentral.org/Documents/Disclosures/TIS-Jan-2025.pdf · captured Oct 8, 2026
Primary Share Savings
0.05%APY
Interest is paid quarterly based on Average Daily Balance. Membership eligibility applies (live/work in Cass, Clay, Jackson, Johnson, or Lafayette County, MO; immediate family member of MCCU member; employee benefit; member of Missouri Council of Consumers; or work for another credit union).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100Interest is paid and subject to change quarterly. | 0.00% | — | Interest is paid and subject to change quarterly. |
| $100 – $1,000Interest is paid and subject to change quarterly. | 0.03% | — | Interest is paid and subject to change quarterly. |
| $1,000 – $2,000Interest is paid and subject to change quarterly. | 0.03% | — | Interest is paid and subject to change quarterly. |
| $2,000 – $5,000Interest is paid and subject to change quarterly. | 0.03% | — | Interest is paid and subject to change quarterly. |
| $5,000 – $10,000Interest is paid and subject to change quarterly. | 0.05% | — | Interest is paid and subject to change quarterly. |
| $10,000 and upInterest is paid and subject to change quarterly. | 0.05% | $5 | Interest is paid and subject to change quarterly. |
Special-purpose accounts
IRA Variable Rate Notice Account
0.10%APY
IRA savings product. Federally insured by NCUA. Subject to change.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates effective November 20, 2025. Subject to change.Any balance | 0.10% | $10 | Rates effective November 20, 2025. Subject to change. |
Christmas Club
0.05%APY
Interest is paid based on Average Daily Balance. No early withdrawal penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is paid based on Average Daily Balance. Rate effective November 20, 2025.Any balance | 0.05% | $5 | Interest is paid based on Average Daily Balance. Rate effective November 20, 2025. |
Who can join Missouri Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.