Bank · FDIC insured
Morgantown Bank & Trust Savings Rates
Morgantown Bank & Trust’s best savings rate is 2.16% APY on $10,000, with its Performance Money Market. Rates checked October 22, 2026.
How Morgantown Bank & Trust’s savings rates compare
Compared with banks and credit unions near Bowling Green, KY, where Morgantown Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Morgantown Bank & Trust
2.16%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $216
Performance Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Morgantown Bank & Trust savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.16%
- $100,000 balance$100,0003.19%
- QualifiedQualified2.16%
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 Morgantown Bank & Trust 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.
Kasasa Saver
Up to 1.50%APY
Must have linked Kasasa Cash or Kasasa Cash Back checking account and meet monthly qualification cycle transactions to earn higher tier rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500,000Qualifying Kasasa Cash/Cash Back account linked and monthly qualification cycle transactions met. | 1.50% | $150 | Qualifying Kasasa Cash/Cash Back account linked and monthly qualification cycle transactions met. |
| Any balanceQualifications not met in linked Kasasa Cash/Cash Back account. | 0.10% | $10 | Qualifications not met in linked Kasasa Cash/Cash Back account. |
| $500,000 and upBalances over $500,000 even if qualifications are met. | 0.10% | — | Balances over $500,000 even if qualifications are met. |
Sources (2)
All captured Sep 19, 2026
Omega Money Market
0.50%APY
Money Market Account prevailing rate based on tiered balance structure. The APY disclosed on the website is for the highest tiered balance. Deposit Accounts subject to fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAPY disclosed is for the highest tiered balance. Prevailing rate based on tiered balance structure.Any balance | 0.50% | $50 | APY disclosed is for the highest tiered balance. Prevailing rate based on tiered balance structure. |
Sources (1)
- morgantownbank.com/personal/pe…ement-accounts-iras.html · captured Sep 24, 2026
Traditional Savings Account
0.10%APY
Straightforward savings account with free eStatements. No monthly service charges or minimum balance requirements. $50 minimum balance required to earn interest at stated savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$50 minimum balance required to earn interest at stated savings rate.$50 and up | 0.10% | $10 | $50 minimum balance required to earn interest at stated savings rate. |
Special-purpose accounts
Performance Money Market
2.16%APY
Interest is paid on the collected balance, with interest rate varying and subject to change daily. Interest does not accrue on days that the balance drops below $5,000. Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. If under 18 years old, must have an adult co-owner on account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $10,000Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. | 1.15% | — | Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. |
| $10,000 – $100,000Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. | 2.16% | $216 | Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. |
| $100,000 – $250,000Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. | 3.19% | — | Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. |
| $250,000 – $500,000Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. | 3.70% | — | Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. |
| $500,000 and upAvoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. | 3.70% | — | Avoid the $10 monthly service charge by maintaining a $5,000 minimum daily balance. |
Sources (3)
- morgantownbank.com
- morgantownbank.com/personal/personal-savings
- morgantownbank.com/personal/pe…rmance-money-market.html
All captured Sep 24, 2026
Club Accounts
2.02%APY
Interest-bearing savings to help with holidays or vacation. No monthly service charges or minimum balance requirements. Weekly, bi-weekly, or monthly transfers required from MBT checking account ranging between $12 - $4,000 per month. Early withdrawal fee of $10. Christmas Club funds transferred between September 25 and September 30 annually; Vacation Club funds transferred on or near March 25 annually.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTransfers must range between $12 - $4,000 per month from MBT checking account. Competitive interest on entire balance.Any balance | 2.02% | $202 | Transfers must range between $12 - $4,000 per month from MBT checking account. Competitive interest on entire balance. |
Sources (2)
All captured Oct 22, 2026
Health Savings Account (HSA)
2.02%APY
Dedicated savings to cover medical expenses. Accessible via digital banking.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.02% | $202 |
Sources (2)
All captured Oct 22, 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.