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 31–45 results in Independence, MO
- North American Savings BankPerformance SavingsSavings · $5,000 min · 0.15%–0.35% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Monthly maintenance fee of $7.50 waived if $5,000 minimum balance requirement is met.
Offer: Monthly maintenance fee waived if $5,000 minimum balance is met.
$7.50 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Performance Savings Balance APY $5,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $75,000 0.30% $75,000 – $1,500,000 0.35% $1,500,000 and up 0.15% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Also referred to as Regular Savings. $3 monthly fee if balance falls below $100. Allows 6 transfers per monthly statement cycle; $1 excess item fee for each withdrawal in excess of 3 per monthly statement cycle. Interest credited semi-annually.
Offer: $3 monthly fee waived if balance stays at or above $100.
0.20% interest rate · $3 monthly fee · Effective Feb 2, 2026
Rate checked
More details - First Federal Bank of Kansas CityFirst Savings PlusSavings · $50 min · 0.10%–0.20% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Available exclusively to First Federal Bank checking accountholders. A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge.
Offer: A $50 minimum daily balance is required to avoid $3.00 monthly maintenance service charge.
Qualified rate · 0.10% interest rate · $3 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for First Savings Plus Balance APY Up to $1,000 0.10% $1,000 and upYour amount 0.20% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Must be eligible for membership. Insured by the NCUA.
0.20% interest rate · Effective Feb 1, 2025
Rate checked
More details - First Federal Bank of Kansas CityStatement SavingsSavings · $200 min · 0.10%–0.15% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: No maintenance service charge if your daily account balance stays above $200.
Offer: No maintenance service charge if your daily account balance stays above $200.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $1,000 0.10% $1,000 and upYour amount 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
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 not met in MY Checking.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Feb 2, 2026
Rate checked
More details - First Federal Bank of Kansas CityMoney MarketMoney Market · $1,000 min · 0.10%–3.45% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Requires a $1,000 deposit to open. A $1,000 minimum daily balance is required to avoid maintenance service charge.
Offer: A $1,000 minimum balance is required to avoid maintenance service charge.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.10% $25,000 – $100,000 0.50% $100,000 – $250,000 1.00% $250,000 – $500,000 2.02% $500,000 and up 3.45% Rate checked
More details - First Federal Bank of Kansas CityGROW Savings AccountSavings · $25 min · 0.10%–5.00% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Requires an active consumer checking account. Rate and APY may change after account is opened. Limited to one GROW Savings Account per tax reporting account owner.
Offer: Account balances with $0 to $2499.99 will earn an interest rate of 4.89% and an APY of 5.00%. Requires an active consumer checking account.
Qualified rate · 4.89% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for GROW Savings Account Balance APY Up to $2,500 5.00% $2,500 and upYour amount 0.10%* Rate checked
More details - Public Safety Credit UnionGeneral SharesSavings · $0 min · 0.00%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Must be eligible for membership. Dividends paid monthly. Federally insured to at least $250,000 by the NCUA.
0.00% interest rate · Effective Feb 1, 2025
Rate by balance
Rate by balance for General Shares Balance APY Up to $99 0.00% $100 – $9,999 0.05% $10,000 – $49,999Your amount 0.10% $50,000 and up 0.20% 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 - Interfaith Federal Credit UnionMembership Share Savings AccountSavings · $100 min · 0.01%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Required membership share savings account. Minimum required balance is $5. Dividend earnings begin with a balance of $100. Rates are compounded and credited monthly. Account is for individuals age 18 and older (members under 18 open Xtreme Savers which converts at 18).
Offer: Tier 1
0.01% interest rate
Rate by balance
Rate by balance for Membership Share Savings Account Balance APY $100 – $999 0.01% $1,000 – $4,999Tier 2 0.05% $5,000 – $14,999Your amountTier 3 0.05% $15,000 – $24,999Tier 4 0.05% $25,000 – $49,999Tier 5 0.10% $50,000 – $99,999Tier 6 0.10% $100,000 and upTier 7 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: The minimum deposit to open a new share account is $5.00 along with a $0.25 membership fee.
0.05% interest rate · Effective Oct 2, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - CommunityAmerica Credit UnionHigh Interest SavingsSavings · $1 min · 0.03%–5.00% by balance
Credit union · 3 branches
0.03%APY$3 a year on $10,000with conditionsRequirements
Product: Limit one High Interest Savings or Delta Savings account per member. The High Interest Savings account is only available to Consumer accounts (Business and IRA accounts do not qualify). Minor Savings accounts are not eligible.
Offer: First tier APY is conditional on meeting requirements: enrolled in eStatements, monthly direct deposit of at least $250 posted to one deposit account, and single checking account with 15 posted POS debit card transactions per month; OR enrolled in eStatements and single checking account with 25 posted POS debit card transactions per month. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Requirements must be met by the day before the last day of the month.
Qualified rate · 4.89% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for High Interest Savings Balance APY Up to $2,500 5.00% Over $2,500Your amountAlso applies to entire balance if First Tier qualifications are not met. 0.03% 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 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%
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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