Bank · FDIC insured
Putnam County State Bank Savings Rates
Top CarrotPutnam County State Bank’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Putnam County State Bank’s savings rates compare
Compared with banks and credit unions in Missouri, where Putnam County State Bank has the most branches. $10,000, best rate first.
This bank’s best
Putnam County State Bank
2.00%APY
- Earns on $10,000 a year
- $200
Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Earns on $10,000 a year
- $512
2nd-highest rate
Metro Credit Union
5.09%APY
- Earns on $10,000 a year
- $509
Putnam County State Bank savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.75%
- $10,000 balance$10,0001.75%
- $100,000 balance$100,0001.75%
- QualifiedQualified1.75%
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 Putnam County State 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
Up to 2.00%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance | 2.00% | $200 | |
| Any balanceVariable interest rate on eligible balances. To avoid a monthly service charge, a minimum daily balance of $2,500.00 must be maintained.Any balance | 1.75% | $175 | Variable interest rate on eligible balances. To avoid a monthly service charge, a minimum daily balance of $2,500.00 must be maintained. |
Sources (3)
- putnamcountystatebank.com/money-market
- putnamcountystatebank.com/personal/personal-accounts
- putnamcountystatebank.com/rates
All captured Sep 17, 2026
Passbook Savings
1.00%APY
Maintain an average collected balance of $100.00 during the statement cycle to avoid a monthly service charge. No minimum balance requirement for account holders under age 23 or over age 55. Up to 9 withdrawals per quarter are permitted (additional withdrawals incur a $1.00 fee per transfer, and online transfers are temporarily disabled once the limit is reached). Variable rate subject to change at any time; interest credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate credited quarterly, currently 1.00% APY, subject to change at any time. Maintain an average collected balance of $100.00 during the statement cycle to avoid a monthly service charge (waived for account holders under age 23 or over age 55).Any balance | 1.00% | $100 | Variable rate credited quarterly, currently 1.00% APY, subject to change at any time. Maintain an average collected balance of $100.00 during the statement cycle to avoid a monthly service charge (waived for account holders under age 23 or over age 55). |
Sources (3)
- putnamcountystatebank.com
- putnamcountystatebank.com/passbook-savings
- putnamcountystatebank.com/personal/personal-accounts
All captured Oct 5, 2026
Savings Account
1.00%APY
Earns 1.00% APY on the entire balance. Rates as of January 10, 2025. Fees could reduce earnings on interest bearing accounts. Substantial penalties exist for early withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns 1.00% APY on the entire balance. Rates as of January 10, 2025. Fees could reduce earnings on interest bearing accounts. Substantial penalties exist for early withdrawals.Any balance | 1.00% | $100 | Earns 1.00% APY on the entire balance. Rates as of January 10, 2025. Fees could reduce earnings on interest bearing accounts. Substantial penalties exist for early withdrawals. |
Sources (1)
- putnamcountystatebank.com/rates · captured Oct 5, 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.