Bank · FDIC insured
Southwest Missouri Bank Savings Rates
Southwest Missouri Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market Deposit Account. Rates checked October 16, 2026.
How Southwest Missouri Bank’s savings rates compare
Compared with banks and credit unions near Joplin, MO-KS, where Southwest Missouri Bank has the most branches. $10,000, best rate first.
This bank’s best
Southwest Missouri Bank
0.25%APY
- Requires
- None
- Earns on $10,000 a year
- $25
Money Market Deposit Account
Top rate
First Community Bank
4.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $400
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Earns on $10,000 a year
- $371
Southwest Missouri Bank savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.25%
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 Southwest Missouri 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 Deposit Account
0.25%APY
All rates and APYs subject to change after the account is opened. Rates are effective for a limited time only. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.20% | — |
| $10,000 – $99,999 | 0.25% | $25 |
| $100,000 – $249,999 | 0.30% | — |
| $250,000 and up | 0.40% | — |
Sources (1)
- smbonline.com/other/deposit-rates · captured Oct 5, 2026
Regular Savings
0.10%APY
No service fee with $100 minimum daily balance, otherwise $2/month. Free electronic statements; $4/month paper statement fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upNo service fee with $100 minimum daily balance; $2/month if balance falls below $100. $100 minimum balance for rate table. Free electronic statements, $4/month if paper statements elected.$100 and up | 0.10% | $10 | No service fee with $100 minimum daily balance; $2/month if balance falls below $100. $100 minimum balance for rate table. Free electronic statements, $4/month if paper statements elected. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$50 minimum balance listed on rate schedule.$50 and up | 0.10% | $10 | $50 minimum balance listed on rate schedule. |
Sources (1)
- smbonline.com/other/deposit-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.