Compare Bank & Credit Union Rates
Best savings rates in Kirkwood, 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 Kirkwood, 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 - 2.90%APY$290 a year on $10,000
Requirements
Product: May be opened in-branch or online. Variable-rate account; interest rate may change after account is opened. $5.00 Monthly Maintenance Fee can be avoided by maintaining an open Icon Checking Account or having an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
Offer: Variable-rate account. Avoid the $5.00 monthly fee with an open Icon Checking Account or an Average Ledger Balance cycle-to-date of $1,000.00 or more on the Analysis Date.
$5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - First Community Credit UnionMoney Management (Money Market)Money Management (Money Market) · $1,000 min · 2.30%–3.05% by balance
Credit union · 1 branch
2.30%APY$230 a year on $10,000Requirements
Product: No minimum deposit to open. No monthly maintenance fee. Dividends calculated daily and paid monthly. Unlimited branch withdrawals; up to 6 free withdrawals and transactions per month (all 6 may be checks, $15 fee for more than 6 checks). Account closed if withdrawal limitations exceeded 3 times in a 12-month period. Effective March 2026, members can no longer withdraw or deposit through ATMs for this account.
Offer: Compounding and crediting frequency: Monthly.
No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Management (Money Market) Balance APY $1,000 – $24,999Your amount 2.30% $25,000 – $49,999 2.90% $50,000 and up 3.05% 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 - Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000intro rateRequirements
Product: No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle; otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. Free eStatements or $5 paper statements. Closing new accounts within 90 days of opening results in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online.
Offer: Standard tiered rate. Monthly service fee waived with $1,000 minimum balance per statement cycle. Rate may change daily; compounded and credited monthly.
Promotional rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $10,000 0.60% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $100,000 1.10% $100,000 – $250,000 1.50% $250,000 and up 2.20% Rate checked
More details - West Community Credit UnionMoney MarketMoney Market · $1,000 min · 0.50%–2.25% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Dividends paid monthly. Up to six withdrawals monthly. Additional deposits accepted. Tiered rates based on balance.
Offer: Minimum daily balance required to earn APY.
0.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $4,999 0.50% $5,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.60% $25,000 – $49,999 1.00% $50,000 – $74,999 1.50% $75,000 – $99,999 1.75% $100,000 – $249,999 2.00% $250,000 and up 2.25% Rate checked
More details - National Police FCUMoney Market AccountMoney Market Account · $500 min · 0.50%–1.26% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends paid quarterly and reflected on statement. $15 monthly fee if average daily balance falls below $500.
Offer: Fee waived if average daily balance is $500 or higher.
0.50% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $24,999Your amount 0.50% $25,000 – $49,999 0.60% $50,000 and up 1.26% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership with First Community Credit Union. Must maintain a minimum balance of $1 to qualify for membership. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Secondary account to save for a special purchase or event while keeping primary savings intact. Zero monthly maintenance fees.
Offer: Dividends calculated daily, paid/compounded quarterly. Minimum balance of $100 to earn dividends/obtain APY. APY is anticipated for the quarter.
Compounded quarterly · No monthly fee
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
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 Kirkwood, MO
31 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.25%
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