Bank · FDIC insured
Union State Bank Savings Rates
Union State Bank’s best savings rate is 0.05% APY, with its Real Saver, with extra requirements. Rates checked October 16, 2026.
How Union State Bank’s savings rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Union State Bank has the most branches. $10,000, best rate first.
This bank’s best
Union State Bank
0.05%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $5
Real 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
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Real Saver
1.00%APY on $10,000
Must have a My Rewards Checking or CashBack Checking Account to Open Only One Real Saver per Rewards or CashBack Account Online Statement Required for Premium Interest
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 1.00% |
| $25,000 and up | 0.50% |
On $10,000 the tiers blend to about 1.00% APY, earning $100 a year.
Sources (3)
- mybankusb.com/personal-banking…-checking-and-real-saver
- mybankusb.com/personal-banking/rewards-checking
- mybankusb.com/personal-banking/savings
All captured Oct 16, 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.