Bank · FDIC insured
The Missouri Bank Savings Rates
The Missouri Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market Demand Account Consumer (MMDA Consumer). Rates checked October 16, 2026.
How The Missouri Bank’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where The Missouri Bank has the most branches. $10,000, best rate first.
This bank’s best
The Missouri Bank
0.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
Money Market Demand Account Consumer (MMDA Consumer)
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
The Missouri Bank savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.55%
- 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 The 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 Demand Account Gold (MMDA Gold)
0.25%APY
Current rate and APY are based on daily balance in account. No interest accrued if account balance falls below minimum at any time during the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 0.25% | $25 | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $10,000 – $25,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 0.35% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $25,000 – $50,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 0.50% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $50,000 – $100,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 0.55% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $100,000 – $200,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 1.01% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $200,000 – $1,000,000A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 1.01% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
| $1,000,000 and upA $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. | 1.11% | — | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. No interest accrued if balance falls below minimum. |
Sources (1)
- themissouribank.com/checking-accounts · captured Sep 24, 2026
Money Market Demand Account Consumer (MMDA Consumer)
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upA $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly.$1,000 and up | 0.25% | $25 | A $10 monthly service fee applies if the account balance falls below the $1,000 daily minimum balance at any time during the statement cycle. Interest is paid monthly. |
Sources (1)
- themissouribank.com/checking-accounts · captured Sep 24, 2026
Passbook Savings
0.25%APY
Passbook must be present for all transactions. No EFT activity permitted, including ACH deposits, ACH payments to third parties, internet banking transfers, or other electronic activity. Interest is earned quarterly. Annual statements provided.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo daily minimum balance. No monthly service charge ($5.00 fee applies for lost passbooks). Earns quarterly interest.Any balance | 0.25% | $25 | No daily minimum balance. No monthly service charge ($5.00 fee applies for lost passbooks). Earns quarterly interest. |
Sources (1)
- themissouribank.com/savings-accounts · captured Sep 17, 2026
Statement Savings
0.25%APY
Interest is paid monthly. ATM transactions and direct ACH deposits are permitted. Monthly statements provided.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and up$4.00 monthly service fee waived unless account balance falls below the $300 minimum at any time during the statement cycle.$300 and up | 0.25% | $25 | $4.00 monthly service fee waived unless account balance falls below the $300 minimum at any time during the statement cycle. |
Sources (1)
- themissouribank.com/savings-accounts · 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.