Compare Bank & Credit Union Rates
Best savings rates in Blue Springs, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Blue Springs, MO
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
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 - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 2 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked High Interest Checking or Cash Back Checking account. Limit of 1 account per Social Security Number. $25 minimum deposit to open. No recurring monthly maintenance fees.
Offer: Qualifying rate tier when linked checking account qualifications are met during the Monthly Qualification Cycle.
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Sep 10, 2025
Rate checked
More details - Blue Ridge Bank and Trust Co.Maximum Yield (MY) Savings AccountSavings · $25 min · 0.20%–2.06% by balance
Bank · 2 branches
2.06%APY$206 a year on $10,000with conditionsRequirements
Product: Requires a MY Checking account and meeting monthly qualifications: 12 or more debit or credit MasterCard POS purchases per monthly cycle, 1 ACH direct deposit or payment set up, active email account, registration for electronic statements, online banking registration, and applying for a free Blue Ridge Bank debit MasterCard. Paper statements available for a $5 monthly fee. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. $25 fee if closed within 180 days of opening.
Offer: Qualifications met in MY Checking.
Qualified rate · 2.04% interest rate · No monthly fee · Effective Feb 2, 2026
Rate by balance
Rate by balance for Maximum Yield (MY) Savings Account Balance APY Up to $25,000Your amount 2.06% Over $25,000Qualifications met in MY Checking; 0.20% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.75%APY$175 a year on $10,000
Requirements
Product: The interest rate and annual percentage yield may change after opening a transaction account. The minimum balance to obtain annual percentage yield is based on a daily balance. Fees could reduce the earnings on the account.
Offer: Minimum balance to obtain APY is $1,000.00.
1.75% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for MONEY MARKET Balance APY $1,000 – $25,000Your amount 1.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.50% $100,000 – $250,000 2.75% $250,000 and up 3.00% 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 - Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - Blue Ridge Bank and Trust Co.Regular Money MarketRegular Money Market · $1,000 min · 0.40%–0.75% by balance
Bank · 2 branches
0.40%APY$40 a year on $10,0000.40% interest rate · Effective Feb 2, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY $1,000 – $15,000Your amount 0.40% $15,000 – $50,000 0.50% $50,000 and up 0.75% 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 - CommunityAmerica Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.60% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to obtain the applicable APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
0.25% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.35% $50,000 – $100,000 0.40% $100,000 – $150,000 0.45% $150,000 – $250,000 0.50% $250,000 – $500,000 0.55% $500,000 and up 0.60% Rate checked
More details - CommunityAmerica Credit UnionPremier Money MarketPremier Money Market · $1,000 min · 0.25%–3.45% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to obtain the applicable APY.
Offer: Subject to a $20 monthly fee if balance falls below $25,000 at any time.
0.25% interest rate · Compounded daily · $20 monthly fee
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 3.20% $50,000 – $100,000 3.25% $100,000 – $150,000 3.30% $150,000 – $250,000 3.35% $250,000 – $500,000 3.40% $500,000 and up 3.45% Rate checked
More details - Equity BankRewards Money MarketRewards Money Market · $1,000 min · 0.30%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Rewards Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Rewards Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Rewards Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.50% Rate checked
More details - Equity BankPerks Plus Money MarketPerks Plus Money Market · $1,000 min · 0.30%–2.25% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Perks Plus Checking customer. Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money. Requires Perks Plus Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Perks Plus Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.25% 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 Blue Springs, MO
36 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.08%
- Top 10% from
- 2.03%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.17%
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Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches