Compare Bank & Credit Union Rates
Best savings rates in Joplin, 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 Joplin, MO
- 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Special rates apply if requirements are met. If not, rate defaults to .01%.
Offer: If requirements are met. If not, rate defaults to .01%.
Qualified rate · 3.93% interest rate
Rate by balance
Rate by balance for Bloom With Us Green Balance APY Up to $15,000Your amount 4.00% Over $15,000 0.20% Rate checked
More details - 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Cash Back Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must have a linked Star Rewards Interest Checking account. Qualifying for rewards in linked checking account qualifies for rewards in savings account. $5 paper statement fee applies per statement cycle if not enrolled in eStatements. If checking account is closed or changed, converts to standalone savings.
Offer: When qualifications in linked Star Rewards Checking account are met during Monthly Qualification Cycle. Daily balances ≤ $24,999.99 earn 1.98% interest, 2.00% APY.
Qualified rate · 1.98% interest rate · Balance cap $24,999.99 · Effective May 14, 2026
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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. e-Statements required to open and maintain the account. No monthly maintenance fees.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during a Monthly Qualification Cycle (at least 12 debit card purchases post and settle, at least 1 ACH credit or payment post and settle, enrolled in e-statements). Paid on the portion of daily balance <= $50,000.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Apr 4, 2023
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and upWhen qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during a Monthly Qualification Cycle. 0.53% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership Share deposit is $25.00 Online Member Access Dividends calculated on daily balance Can be linked to Debit Card (ATM only, no point of sale) Online transfers available through Online Member Access
Offer: You must maintain at least a $25 balance in your account in order to earn dividends. Dividends are paid quarterly.
0.50% interest rate · Effective Jan 1, 2024
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No minimum deposit required.
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $3.00 monthly service charge waived by maintaining a $200 minimum daily balance. Up to 6 withdrawals per calendar month at no charge; each additional withdrawal incurs a $1.00 service charge.
Offer: Variable interest rate. $3 monthly maintenance fee waived with a minimum daily balance of $200. Up to 6 withdrawals per calendar month included at no charge ($1.00 fee per additional withdrawal).
$3 monthly fee
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Rates apply to accounts opened online only; branch rates may vary. Rates are effective as of today's date. Fees may reduce earnings. $1,500 minimum balance required to avoid fee. $15.00 monthly service charge if balance falls below $1,500. Free electronic statements; $5 paper statement fee. Maximum 6 withdrawals per calendar month; $3.00 service charge per withdrawal over 6.
Offer: Online account opening rate. Monthly fee waived with minimum balance of $1,500 and no more than 6 withdrawals per calendar month.
0.45% interest rate · $15 monthly fee
Rate by balance
Rate by balance for PinnCheck Market Balance APY Up to $10,000 0.45% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.61% $100,000 – $250,000 1.07% $250,000 and up 1.47% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Maintain minimum balance of $1,500 and no more than 6 withdrawals each calendar month to avoid fee. Paper statements $5 fee. Rates may vary.
Offer: Balance tier $0-$9,999.99
0.45% interest rate · $15 monthly fee
Rate by balance
Rate by balance for PinnCheck Market Account Balance APY Up to $10,000 0.45% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.61% $100,000 – $250,000 1.07% $250,000 and up 1.47% Rate checked
More details - Joplin Metro Credit UnionMoney Market AccountMoney Market Account · $2,500 min
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: An initial deposit of $2,500.00 is required. An average daily balance of $2,500 must be maintained to avoid a fee and accrue dividends.
Offer: An initial deposit of $2,500.00 is required. An average daily balance of $2,500 must be maintained to avoid a fee and accrue monthly dividends.
0.50% interest rate
Rate checked
More details - Mid-Missouri BankMoney Market AccountMoney Market Account · $1,000 min · 0.20%–0.30% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $1,000 minimum balance.
Offer: Avoid the $10 monthly maintenance fee by maintaining a $1,000 minimum balance.
$10 monthly fee · Effective Apr 4, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.20% $2,500 – $9,999 0.25% $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.30% $50,000 and up 0.30% Rate checked
More details - Great Plains FCUMoney Market Share Draft AccountMoney Market Share Draft Account · $2,500 min
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Earns interest compounded monthly on balances of $2,500 or more. No dividend earned if balance drops below $2,500 at any time during the month. Limited to 6 transactions per month.
Offer: Minimum balance required to earn dividends. No dividend earned if account balance drops below $2,500 at any time during the month.
Compounded monthly · Effective Sep 16, 2025
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 Joplin, MO
35 accounts at 14 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.30%
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Joplin, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- UMB BankBank · 2 branches