Compare Bank & Credit Union Rates
Best savings rates in Kansas City, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 61–75 results in Kansas City, MO
- First Federal Bank of Kansas CityMoney MarketMoney Market · $1,000 min · 0.10%–3.45% by balance
Bank · 2 branches
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 · 2 branches
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - Public Safety Credit UnionGeneral SharesSavings · $0 min · 0.00%–0.20% by balance
Credit union · 3 branches
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 - 0.08%APY$8 a year on $10,000with conditions
Requirements
Product: Requires a Premier Checking relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).
Qualified rate · 0.08% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.08% $5,000 – $25,000Your amount 0.08% $25,000 – $100,000 0.10% $100,000 – $500,000 0.10% $500,000 – $1,000,000 0.12% $1,000,000 – $2,500,000 0.12% $2,500,000 and up 0.12% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% 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 - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Requires a Premier Plus Checking or Reward Checking account open and in good standing, and enrollment in eStatements. Limit 1 account per connected checking account. No recurring monthly service charges or fees. $100 minimum deposit to open.
Offer: Base rate earned on entire balance when qualifications are not met in Premier Savings account.
Qualified rate · No monthly fee · Effective Aug 21, 2024
Rate checked
More details - Missouri Central Credit UnionPrimary Share SavingsSavings · $1 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Interest is paid quarterly based on Average Daily Balance. Membership eligibility applies (live/work in Cass, Clay, Jackson, Johnson, or Lafayette County, MO; immediate family member of MCCU member; employee benefit; member of Missouri Council of Consumers; or work for another credit union).
Offer: Interest is paid and subject to change quarterly.
No monthly fee · Effective Mar 18, 2026
Rate by balance
Rate by balance for Primary Share Savings Balance APY Up to $100 0.00% $100 – $1,000 0.03% $1,000 – $2,000 0.03% $2,000 – $5,000 0.03% $5,000 – $10,000 0.05% $10,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must have a My Rewards Checking or CashBack Checking Account to Open Only One Real Saver per Rewards or CashBack Account Online Statement Required for Premium Interest
Offer: Earned on balance if monthly qualification cycle requirements in CashBack Checking or My Rewards Checking (e-statements, online banking access, at least 10 debit card purchases post and settle, at least 1 direct deposit or ACH auto debit post and settle) are not met. Account is free.
Qualified rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest compounded daily and credited calendar quarterly. No monthly service charges or minimum balance fees.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Passcard Savings Balance APY Up to $100 0.00% $100 and upYour amount 0.05% Rate checked
More details - Equity BankChrome Money MarketChrome Money Market · $1,000 min · 0.05%–2.01% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000intro rateRequirements
Product: Limited-time offer for new accounts with new money deposited to Equity Bank. Monthly maintenance fee waived with minimum balance.
Offer: Variable tiered rate. Compounded monthly and credited monthly. Limited-time offer for new accounts with new money.
Promotional rate · Compounded monthly
Rate by balance
Rate by balance for Chrome Money Market Balance APY Up to $24,999Your amount 0.05% $25,000 – $100,000 0.50% $100,000 and up 2.01% 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 Kansas City, MO
100 accounts at 33 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.01%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.20%
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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