Compare Bank & Credit Union Rates
Best savings rates in Ottawa, KS
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–13 results in Franklin County, KS · Showing Franklin County, KS: too few institutions in Ottawa, KS
- 2.27%APY$227 a year on $10,000
Requirements
Product: $10 minimum balance fee if balance falls below $2,500. Excess Transaction Fee: $5 fee for each additional debit beyond the 10th per month.
Offer: $10 fee waived if balance stays at or above $2,500. Excess transaction fee: $5 per debit beyond 10 per month.
2.00% interest rate · $10 monthly fee · Effective Sep 10, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $5,000 2.02% $5,000 – $20,000Your amount 2.27% $20,000 – $50,000 2.53% $50,000 – $100,000 2.78% $100,000 – $500,000 3.04% $500,000 – $1,000,000 3.30% $1,000,000 and up 3.82% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Cash Back Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Interest Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 1 branch
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - 0.70%APY$70 a year on $10,000
Requirements
Product: Keep a $1,000 minimum balance to avoid a $5 monthly fee. Make up to six withdrawals every month and write up to three checks against the account every month. Rate may change after the account is opened.
Offer: Keep a $1,000 minimum balance to avoid a $5 monthly fee. Rate may change after the account is opened.
0.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.70% $25,000 – $50,000 0.90% $50,000 – $100,000 1.11% $100,000 and up 1.31% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A $5 deposit is required to establish membership and open the account. Balances of $100 or more earn dividends. Dividends are paid monthly.
Offer: Keep $100 deposited to start earning dividends. Rate may change after the account is opened.
0.30% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $1 minimum balance fee if balance falls below $10. Excess Transaction Fee: $5 fee for each additional debit beyond the third.
Offer: Balance tier to earn APY: $10+
0.25% interest rate · Effective Sep 10, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Interest Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: Base rate applied to entire account balance if qualifications are not met during qualification cycle.
Qualified rate · 0.05% interest rate · Effective May 14, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Cash Back Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: Base rate applied to entire account balance if qualifications are not met during qualification cycle.
Qualified rate · 0.05% interest rate · Effective May 14, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Unlimited withdrawals each month. $3 monthly minimum balance fee waived for persons 17 and under and over 60.
Offer: Variable interest rate may change after account opening. $3 monthly fee if balance falls below $100 minimum; fee waived for persons 17 and under and over 60.
$3 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: No monthly maintenance fee. Earn an extra $5 savings reward every month the balance grows by $200 or more for the first year (up to 12 rewards for new accounts). Variable rate account; minimum opening deposit is $25.
Offer: Applies to ZIP code 60603 (Illinois and Northwest Indiana locations, excluding locations in South Beloit, Roscoe and St. Clair County in Illinois). Interest compounded daily and credited monthly.
0.01% interest rate · Compounded daily · No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Interest Rate, tiered or un-tiered, is variable and may change after account is opened. Free debit card included. Unlimited transactions allowed each month.
Offer: Earn up to 0.01% APY. $7 monthly fee avoided with $500 minimum balance.
$7 monthly fee · Effective Oct 2, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Franklin County, KS
13 accounts at 5 banks and credit unions · checked Oct 16
- Typical
- 0.30%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.50%
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Ottawa, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid-America BankBank · 1 branch