Compare Bank & Credit Union Rates
Best savings rates in Independence, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Independence, MO
- 0.85%APY$85 a year on $10,000
Requirements
Product: Must be eligible for membership. Rates are subject to change at any time without notice. Insured by the NCUA.
Offer: Balance < $2500
0.00% interest rate · Effective Feb 3, 2025
Rate by balance
Rate by balance for Smart Account Balance APY Up to $2,500 0.00% $2,500 – $9,999 0.80% $10,000 – $24,999Your amount 0.85% $25,000 – $74,999 0.90% Over $75,000 1.00% Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 2 branches
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 - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Must be linked to a High Interest Reward Checking or Cash Back Reward Checking account. To earn qualifying rate, linked checking account must satisfy monthly qualification cycle requirements (minimum 12 debit card purchases post, receive monthly e-Statements, and log into online banking at least once during cycle); otherwise earns non-qualifying rate.
Offer: Qualifying rate tier when linked checking account meets qualification cycle requirements.
Qualified rate · 0.75% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Reward Savings Balance APY Up to $15,000Your amount 0.75% Over $15,000 0.25% Rate checked
More details - 0.69%APY$69 a year on $10,000
Requirements
Offer: Minimum balance $1,500
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,500 0.00% $1,500 – $2,500 2.25% $2,500 – $10,000 2.00% $10,000 – $25,000Your amount 0.69% $25,000 – $50,000 0.98% $50,000 – $100,000 1.08% $100,000 – $150,000 1.12% $150,000 and up 1.19% Rate checked
More details - Interfaith Federal Credit UnionMoney Market Multiplier AccountMoney Market Multiplier Account · $2,000 min · 0.50%–0.60% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Minimum balance of $2,000 to earn dividends and avoid fee. Dividends compounded and credited monthly. Allows up to 3 checks and 3 transfers per month. A $15 fee applies if balance falls below $2,000 or if more than 6 transactions occur in a monthly period.
Offer: Dividends paid monthly as long as balance does not fall below $2,000. There is a $15 fee if the account drops below $2,000 minimum.
0.50% interest rate · $15 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Multiplier Account Balance APY $2,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $49,999 0.55% $50,000 – $99,999 0.60% $100,000 and up 0.60% Rate checked
More details - North American Savings BankPremium Money Market CheckingPremium Money Market Checking · $1,000 min · 0.05%–0.50% by balance
Bank · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: A monthly maintenance fee of $7.50 applies if the $1,000 monthly minimum balance requirement is not met. Account requires a $1,000 minimum opening deposit.
Offer: Monthly maintenance fee of $7.50 is charged if the $1,000 minimum balance requirement is not met.
$7.50 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Premium Money Market Checking Balance APY Up to $25,000Your amount 0.40% $25,000 – $1,500,000 0.50% $1,500,000 and up 0.05% 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 - United Consumers Credit UnionShare SavingsSavings · $500 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Establishes membership and ownership. 3 free withdrawals per month; $3 fee for each withdrawal in excess thereafter. No monthly maintenance fees.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Share Savings Balance APY $500 – $1,000 0.05% $1,000 – $2,500 0.10% $2,500 – $5,000 0.30% $5,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly maintenance fee of $7.50 waived if $100 minimum balance requirement is met.
Offer: Monthly maintenance fee waived if $100 minimum balance is met.
$7.50 monthly fee · Effective Oct 16, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 2 branches
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 · 3 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 · 3 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 - 0.25%APY$25 a year on $10,000intro rate
Requirements
Product: Requires $25 minimum monthly direct deposit. Minimum balance requirement of $200 after first six months. Monthly maintenance fee of $0 with direct deposit for first six months, then $7.50 if minimum balance not met.
Offer: Requires $25 minimum monthly direct deposit. $0 monthly maintenance fee with direct deposit for first 6 months, then $7.50 if $200 minimum balance is not met.
No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: All members must maintain a $5 balance. Earn quarterly interest. Deposit of $5 secures one share in credit union.
Offer: All members must maintain a $5 balance.
0.25% interest rate · Effective Jan 1, 2026
Rate checked
More details - Holy Rosary Credit UnionSavings AccountsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Required to establish and maintain membership with Holy Rosary Credit Union. APY is as high as based on tier, term or other factors. Penalties may be imposed for early withdrawals.
Offer: Penalties may be imposed for early withdrawals.
0.00% interest rate · Effective Feb 1, 2025
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $100 0.00% $100 – $10,000 0.05% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.25% $100,000 and up 0.25% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Independence, MO
59 accounts at 16 banks and credit unions · checked Oct 16–22
- Typical
- 0.25%
- Top 10% from
- 2.50%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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