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 46–60 results in Kansas City, MO
- 0.20%APY$20 a year on $10,000
Requirements
Product: Monthly service fee ($5.00) can be avoided by satisfying one of the following: monthly electronic transfers of at least $10 from personal checking account with BOK Financial, maintain monthly average collected balance of $250, or link to a Premier Checking account (accounts are not automatically linked). 0.05% bonus interest rate available when linked with Select Checking or Premier Checking (bonus interest rate is not automatically applied and must be requested).
Offer: Applicable to Arkansas (AR). Monthly fee of $5.00 waived with $250 monthly average collected balance, monthly electronic transfer of at least $10 from BOK Financial personal checking, or link to Premier Checking.
0.20% interest rate · $5 monthly fee · Effective Oct 15, 2026
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 · 2 branches
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: Minimum balance service charge of $5 per quarter waived with a $100 daily balance; waived along with excess withdrawal fees for primary account owners age 23 & under. Primary account owner age 17 and under requires adult (18+) joint owner. Enrollment in Online Banking required (age 13+). Free ATM card eligibility age 14+.
Offer: Interest compounded and credited monthly. Variable rate may change after account opening. Minimum balance service charge is $5 per quarter (waived with $100 daily balance or age 23 & under). Excess withdrawal fee of $1 per withdrawal/debit over 9 per quarter.
0.20% interest rate
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Membership requires living or working in eligible Missouri/Kansas counties and a $1 deposit into a Share Savings account. Dividends calculated by the average daily balance method. No monthly service charge.
Offer: Daily balance of $100 or more to earn stated APY. Dividends calculated by average daily balance method and paid monthly.
0.20% interest rate · No monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividends calculated by the average daily balance method.
Offer: Daily balance of $100 or more to earn stated APY. Dividends calculated by average daily balance method.
0.20% interest rate
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 · 2 branches
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 - 0.15%APY$15 a year on $10,000
Requirements
Offer: Interest earned on balances of any size. Balances that fall below $200 incur a $4 monthly service fee. Two withdrawals per monthly statement cycle, thereafter $2 per withdrawal.
0.15% interest rate · $4 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Variable interest rate. $5 monthly service fee waived with $250 average daily balance. Withdrawal fee of $3.00 for each withdrawal in excess of 3 per month; unlimited free withdrawals at Emprise ATMs.
Offer: $5 monthly service fee waived with $250 average daily balance. Variable interest rate; earnings compounded and credited monthly.
0.15% interest rate · $5 monthly fee · Effective Sep 15, 2026
Rate checked
More details - Mainstreet Credit UnionEmergency SavingsSavings · $0 min · 0.15%–8.25% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: No minimum opening deposit and no minimum balance required. To qualify for dividends, must have an active Spend account and at least one recurring internal transfer from the Spend account to the Emergency Savings account that posts and settles within the calendar month. Limit one promotional APY per member.
Offer: Limited-time promotional APY earned on average daily balances up to $1,000 from October 1, 2026 to January 4, 2027 for accounts meeting monthly qualifications (active Spend account and at least 1 recurring transfer from Spend account that posts and settles in calendar month). After promotion, APY reverts to the standard APY. Limit one promotional APY per member.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Emergency Savings Balance APY Up to $1,000 8.25% Over $1,000Your amountRequires an active Spend account and a recurring internal transfer from Spend to Emergency Savings. Credited and compounded quarterly. 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Requires a $5 deposit/balance to establish and maintain membership. Dividends are credited and compounded quarterly.
Offer: Dividends are credited and compounded quarterly.
0.15% interest rate · Compounded quarterly
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Requires a minimum opening deposit of $100. No minimum balance required. Dividends credited and compounded quarterly.
Offer: Requires a minimum opening deposit of $100. Dividends credited and compounded quarterly.
0.15% interest rate · Compounded quarterly
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Monthly service fee ($5.00) can be avoided by satisfying one of the following: monthly electronic transfers of at least $10 from personal checking account with BOK Financial, maintain monthly average collected balance of $250, or link to a Premier Checking account (accounts are not automatically linked). 0.05% bonus interest rate available when linked with Select Checking or Premier Checking (bonus interest rate is not automatically applied and must be requested).
Offer: Applicable to Arizona (AZ), Colorado (CO), Kansas City / Missouri (KC), and standard deposit rates schedule. Monthly fee of $5.00 waived with $250 monthly average collected balance, monthly electronic transfer of at least $10 from BOK Financial personal checking, or link to Premier Checking.
0.10% interest rate · $5 monthly fee · Effective Oct 15, 2026
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
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