Compare Bank & Credit Union Rates
Best savings rates in Jefferson City, 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 Jefferson City, 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 - 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 - Sullivan BankPremium Money MarketPremium Money Market · $2,500 min · 0.05%–3.50% by balance
Bank · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. $10 fee for each withdrawal in excess of eight per statement cycle.
Offer: Balances below $10,000. Monthly $10 fee if average daily balance is below $2,500.
$10 monthly fee · Effective Mar 17, 2025
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 2.25% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.50% 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 - Multipli Credit UnionMoney MarketMoney Market · $1,000 min · 0.85%–2.20% by balance
Credit union · 4 branches
1.30%APY$130 a year on $10,000Requirements
Product: No monthly fees. Limit 3 withdrawals per month. Monthly dividends. Minimum balance of $1,000 to earn dividends and avoid a service fee; $0 minimum opening balance.
No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $9,999 0.85% $10,000 – $24,999Your amount 1.30% $25,000 – $99,999 1.80% $100,000 and up 2.20% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: Dividends paid monthly. Primary share requires a minimum $25 initial deposit. No monthly service charges.
Offer: Dividends paid monthly. Primary share requires a minimum $25 initial deposit.
1.25% interest rate · No monthly fee
Rate checked
More details - 1.00%APY$100 a year on $10,000
- 1.00%APY$100 a year on $10,000
- Missouri Baptist Credit UnionMoney MarketMoney Market · $1,000 min · 0.50%–1.11% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: Serving Missouri Baptists; rates voted by the MBCU Board of Directors and subject to change without notice.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.70% $25,000 – $100,000 0.90% $100,000 and up 1.11% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Minimum balance of $25. Higher interest rates based on average daily balance and posted monthly.
Offer: Minimum balance of $25.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Conservation Employees Credit UnionMoney MarketMoney Market · $0 min · 0.50%–2.70% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Requires a $10,000 minimum balance and allows three withdrawals per month.
0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $74,999 0.70% $75,000 – $99,999 0.85% $100,000 – $249,999 1.00% $250,000 – $499,999 2.15% $500,000 and up 2.70% Rate checked
More details - Missouri Baptist Credit UnionRegular Share 01, 02, 03, and 04Savings · $100 min
Credit union · 1 branch
0.50%APY$50 a year on $10,0000.50% interest rate
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 Jefferson City, MO
29 accounts at 9 banks and credit unions · checked Oct 16–17
- Typical
- 0.50%
- Top 10% from
- 2.51%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.50%
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Jefferson City, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- Conservation Employees Credit UnionCredit union · 1 branch
- Multipli Credit UnionCredit union · 4 branches