Bank · FDIC insured
Mutual Savings Association Savings Rates
Mutual Savings Association’s best savings rate is 1.25% APY on $10,000, with its CAP "Rainy Day Fund". Rates checked October 16, 2026.
How Mutual Savings Association’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Mutual Savings Association has the most branches. $10,000, best rate first.
This bank’s best
Mutual Savings Association
1.25%APY
- Minimum
- $500
- Earns on $10,000 a year
- $125
CAP "Rainy Day Fund"
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
Mutual Savings Association savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.25%
- $10,000 balance$10,0001.25%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.25%
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 Mutual Savings Association 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.
5-Star Money Market
0.45%APY
Interest compounded daily and credited monthly. $8 monthly fee if account balance falls below $5,000. Rate may change after account opening. Fees and service charges can reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000$8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. | 0.15% | — | $8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. |
| $5,000 – $25,000$8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. | 0.45% | $45 | $8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. |
| $25,000 – $250,000$8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. | 1.75% | — | $8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. |
| $250,000 – $1,000,000$8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. | 2.00% | — | $8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. |
| $1,000,000 and up$8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. | 2.40% | — | $8 monthly fee if balance falls below $5,000. Interest compounded daily and credited monthly. Rate may change after opening. |
CAP "Rainy Day Fund"
1.25%APY
Must be a Client Appreciation Program (CAP) member to open. Must be a qualified CAP member as of November 30th of each year and maintain a $500 average available balance to receive annual bonus.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMonthly fee of $5 if account balance falls below $100.$500 and up | 1.25% | $125 | Monthly fee of $5 if account balance falls below $100. |
Member Savings Account
0.25%APY
Interest is compounded daily and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Monthly fee of $5 if account balance falls below $100. | 0.25% | $25 | Monthly fee of $5 if account balance falls below $100. |
| $15,000 and upMonthly fee of $5 if account balance falls below $100. | 0.50% | — | Monthly fee of $5 if account balance falls below $100. |
Special-purpose accounts
Statement Savings IRA ($100 to $249)
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $250 | 0.05% | — |
| $250 – $1,000 | 0.05% | — |
| $1,000 and up | 0.05% | $5 |
Sources (1)
- msa.bank/current-rates · captured Sep 18, 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.