Compare Bank & Credit Union Rates
Best savings rates in Cape Girardeau, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–26 results in Cape Girardeau, MO
- 0.06%APY$6 a year on $10,000
Requirements
Product: Minimum opening deposit of $100. $10 quarterly service fee waived with a minimum balance of $2,500.
Offer: Quarterly service fee of $10 waived with $2,500 minimum balance.
0.06% interest rate
Rate by balance
Rate by balance for Montgomery Gold Savings Balance APY Up to $10,000Your amount 0.06% $10,000 – $25,000 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% Over $100,000 0.07% Rate checked
More details - Montgomery BankMontgomery New Start SavingsSavings · $0 min · 0.06%–0.07% by balance
Bank · 2 branches
0.06%APY$6 a year on $10,0000.06% interest rate
Rate by balance
Rate by balance for Montgomery New Start Savings Balance APY Up to $5,000 0.06% $5,000 – $10,000Your amount 0.06% $10,000 – $25,000 0.07% $25,000 – $50,000 0.07% Over $50,000 0.07% Rate checked
More details - 0.06%APY$6 a year on $10,000
Requirements
Product: Minimum opening deposit of $100. $10 quarterly service fee waived with a minimum balance of $100.
Offer: Quarterly service fee of $10 waived with $100 minimum balance.
0.06% interest rate
Rate by balance
Rate by balance for Montgomery Blue Savings Balance APY Up to $5,000 0.06% $5,000 – $10,000Your amount 0.06% $10,000 – $25,000 0.07% $25,000 – $50,000 0.07% Over $50,000 0.07% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 2 branches
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Monthly service fee of $5.00 is waived with a $300 minimum daily balance or at least one monthly electronic deposit of $25 or more, and waived for the first 60 days after account opening. Up to 3 free withdrawals/transfers per month ($2.00 each thereafter). Annual deposit rewards available for 11 consecutive monthly deposits and 4 or fewer withdrawals per year.
Offer: No minimum balance required to earn stated APY. Rate may change after account is opened. Monthly service fee of $5.00 waived with $300 daily balance or at least one monthly electronic deposit of $25+, and waived for first 60 days after opening. Free paperless statements; $3.00/month for paper statements.
$5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Monthly service fee of $12 is waived if a $5,000 minimum daily balance is maintained for the monthly cycle.
Offer: Monthly service fee of $12 waived with $5,000 minimum daily balance.
$12 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY$1 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: Base rate applied to all balances if qualification criteria are not met during the statement cycle.
Qualified rate · No monthly fee · Effective Oct 6, 2025
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Requires linked Montgomery eBlue Checking account. Minimum opening deposit is $100. No monthly maintenance fee. Limited to one account per individual.
Offer: Base rate applied to entire daily collected balance if minimum activity requirements are not met during the statement/qualification cycle.
Qualified rate · 0.01% interest rate · Effective May 1, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Offer: Requirements for account not met
Qualified rate · 0.01% interest rate · No monthly fee · Effective Jun 1, 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 Cape Girardeau, MO
26 accounts at 8 banks and credit unions · checked Oct 16–22
- Typical
- 0.07%
- Top 10% from
- 2.00%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.25%
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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