Bank · FDIC insured
Pony Express Bank Savings Rates
Pony Express Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Pony Express Bank’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Pony Express Bank has the most branches. $10,000, best rate first.
This bank’s best
Pony Express Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $200
Free Kasasa Saver
Top rate
Truity Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Pony Express Bank savings score
80
Savings score
Higher than 52% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.51%
- QualifiedQualified2.00%
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 Pony Express 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
0.25%APY
Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. Interest compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. | 0.25% | $25 | Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. |
| $25,000 – $100,000Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. | 0.50% | — | Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. |
| $100,000 – $250,000Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. | 1.51% | — | Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. |
| $250,000 – $500,000Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. | 2.53% | — | Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. |
| $500,000 and upWaive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. | 3.04% | — | Waive the $15 monthly service charge by maintaining a daily minimum balance of $2,000. |
Sources (2)
- ponyexpressbank.com/personal/p…oney-market-account.html
- ponyexpressbank.com/services-tools/tools/rates.html
All captured Sep 17, 2026
Free Kasasa Saver
Up to 2.00%APY
Linked Kasasa Cash or Kasasa Cash Back checking account required. Limit of 1 account per Social Security Number. Restricted to no more than 6 debits/transfers per monthly qualification cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $35,000Applies to daily balances up to $35,000 when qualification requirements are met on the linked Kasasa Cash or Kasasa Cash Back checking account during the Monthly Qualification Cycle (at least 1 direct deposit or ACH transaction, at least 12 debit card purchases post and settle, and enrolled in Digital Banking to obtain monthly statements). Automatically qualifies for the first cycle. | 2.00% | $200 | Applies to daily balances up to $35,000 when qualification requirements are met on the linked Kasasa Cash or Kasasa Cash Back checking account during the Monthly Qualification Cycle (at least 1 direct deposit or ACH transaction, at least 12 debit card purchases post and settle, and enrolled in Digital Banking to obtain monthly statements). Automatically qualifies for the first cycle. |
| Any balanceBase rate earned on the entire daily balance when monthly qualifications are not met on the linked Kasasa checking account. | 0.01% | $1 | Base rate earned on the entire daily balance when monthly qualifications are not met on the linked Kasasa checking account. |
| $35,000 and upApplies to the portion of daily balance over $35,000 when qualifications are met on the linked Kasasa checking account, resulting in an APY range from 2.00% to 0.70% depending on the account daily balance. | 0.25% | — | Applies to the portion of daily balance over $35,000 when qualifications are met on the linked Kasasa checking account, resulting in an APY range from 2.00% to 0.70% depending on the account daily balance. |
Savings Account
0.15%APY
Interest is compounded and credited quarterly. Two free withdrawals per month, $8 each thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest on entire balance. The $8 monthly service charge is waived by maintaining a daily minimum balance of $100, or for customers under the age of 18 until their 18th birthday.Any balance | 0.15% | $15 | Earns interest on entire balance. The $8 monthly service charge is waived by maintaining a daily minimum balance of $100, or for customers under the age of 18 until their 18th birthday. |
Special-purpose accounts
HSA
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily minimum balance to avoid fee is not applicable (N/A).Any balance | 0.15% | $15 | Daily minimum balance to avoid fee is not applicable (N/A). |
Sources (1)
- ponyexpressbank.com/services-tools/tools/rates.html · captured Sep 17, 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.