Compare Bank & Credit Union Rates
Best savings rates in Missouri
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Missouri
- 5.12%APY$512 a year on $10,000
5.00% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Metro Credit UnionAccidental SavingsSavings · $0 min · 4.06%–5.09% by balance
Credit union · 2 branches
5.09%APY$509 a year on $10,000Requirements
Offer: Tier 1 rate. Dividend rates are subject to change.
4.00% interest rate · Effective Dec 31, 2025
Rate by balance
Rate by balance for Accidental Savings Balance APY Up to $2,500 4.06% Over $2,500Your amountTier 2 rate. 5.09% Rate checked
More details - 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Tiered based on qualified balance and combined account total.
Offer: Qualified Balances up to $25,000.00. Interest compounded monthly.
Qualified rate · 4.41% interest rate · Compounded monthly · Effective Mar 25, 2024
Rate by balance
Rate by balance for CB Legacy Balance APY Up to $25,000Your amount 4.50% Over $25,000Qualified; stated APY range is 4.50% - 0.83%. $125,000.00). 0.10%* Rate checked
More details - 4.25%APY$425 a year on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or legal permanent resident. Limited to one account per primary owner. Not available in Delaware. Account must be funded within 31 days or it will automatically close.
Offer: Tier 1: Daily balance of $250,000.00 or less earns 4.17% interest rate (4.25% APY) on the entire balance.
4.17% interest rate · No monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Neighbors Savings Account Balance APY Up to $250,000Your amount 4.25% Over $250,000 0.05%* Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Personal and consumer funds only. No business or institutional funds allowed. Available online or in branch.
Offer: Requires $2,500 minimum balance to earn advertised APY. Rate available both online and in branch.
Effective Sep 30, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Special rates apply if requirements are met. If not, rate defaults to .01%.
Offer: If requirements are met. If not, rate defaults to .01%.
Qualified rate · 3.93% interest rate
Rate by balance
Rate by balance for Bloom With Us Green Balance APY Up to $15,000Your amount 4.00% Over $15,000 0.20% Rate checked
More details - Commercial Trust CompanySavings TieredSavings · $1,000 min · 0.00%–3.81% by balance
Bank · 2 branches
3.81%APY$381 a year on $10,000Requirements
Product: One account per customer social security number. Limited to 4 combined total withdrawals per month (withdrawals exceeding 4 charged $2.00 item fee per withdrawal over limit; internal transfers not counted as a withdrawal). Rates subject to change at financial institution's discretion.
Offer: Rate is current as of 08/20/2026. Minimum $1,000 to open.
0.00% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Savings Tiered Balance APY Up to $1,000 0.00%* $1,000 – $20,000Your amount 3.81% Over $20,000 0.05% Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.
Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.
3.69% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Sep 22, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 43 branches
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - 3.70%APY$370 a year on $10,000
Requirements
Product: Online only account. Interest compounded daily and credited calendar quarterly. $10 monthly fee waived with $10,000 average daily balance. 3 free withdrawals per month, $2 per withdrawal thereafter.
Offer: Applies when daily balance is below $10,000 or account is not enrolled in eStatements. Monthly fee waived with average daily balance of $10,000 or more.
0.05% interest rate · Compounded daily · $10 monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for High Yield eSavings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 3.70% Rate checked
More details - 3.60%APY$360 a year on $10,000
Requirements
Product: Online only. High-yield online savings account available nationally. Interest is compounded monthly.
Offer: Online only. High-yield online savings account available nationally. Interest is compounded monthly.
3.54% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - North American Savings BankUltimate SavingsSavings · $10,000 min · 0.01%–3.60% by balance
Bank · 10 branches
3.60%APY$360 a year on $10,000Requirements
Product: Online only. Blended interest rate. Rates only available in the Greater Kansas City (KS/MO) area.
Offer: Blended interest rate. Available online through nasb.com only.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Ultimate Savings Balance APY Up to $50,000Your amount 3.60% $50,000 – $1,999,999 3.60% $2,000,000 and up 0.01% Rate checked
More details - 3.56%APY$356 a year on $10,000with conditions
Requirements
Product: Must be linked to Reward Checking account. Free account with e-statements; optional paper statement fee is $4.00 per statement cycle. Interest and ATM refunds from Reward Checking automatically transfer to Saver each monthly qualification cycle.
Offer: Qualifying tier for portion of daily balance up to $25,000.00 (less than $25,000.01) when qualifications are met: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Oct 6, 2025
Rate by balance
Rate by balance for Reward Saver Balance APY Up to $25,000Your amount 3.56% Over $25,000Blended APY ranges from 3.562% to 1.00% (or 0.2497%). Qualifications: at least one direct deposit or recurring ACH credit/debit, and at least 10 debit card purchases post and settle per statement cycle. 0.25% Rate checked
More details - 3.56%APY$356 a year on $10,000
Requirements
Product: The minimum balance required to open this account is $2,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed APY and to keep your account open. The maximum balance is $20,000.00. Any balance above this maximum amount will not earn a dividend. Dividends paid monthly.
Offer: Must maintain minimum balance of $2,000.00 daily to earn APY and keep account open. Balances above $20,000.00 do not earn dividends. Dividends paid monthly.
3.50% interest rate · Balance cap $20,000 · No monthly fee
Rate checked
More details - 3.55%APY$355 a year on $10,000
Requirements
Product: The minimum balance required to open this account is $2,000.00. You must maintain a balance equal to the minimum balance required to open your account each day to obtain the disclosed APY and to keep your account open. The maximum balance is $20,000.00. Any balance above this maximum amount will not earn a dividend. Dividends paid monthly.
Offer: $2,000 minimum / $20,000 maximum.
3.50% interest rate · Balance cap $20,000
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Missouri
488 accounts at 186 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
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Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- 1st MidAmerica Credit UnionCredit union · 1 branch