Compare Bank & Credit Union Rates
Best savings rates in St. Joseph, MO
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in St. Joseph, MO
- Academy BankPremier Money Market AccountPremier Money Market Account · $25 min · 0.60%–2.20% by balance
Bank · 2 branches
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 - District One Highway Credit UnionRegular Share Savings AccountSavings · $25 min
Credit union · 1 branch
0.60%APY$60 a year on $10,000intro rateRequirements
Product: Maintained with a minimum balance of $25.00 representing partial ownership of the credit union.
Offer: Quarter: 2nd QTR 2026. Earns quarterly dividends.
Promotional rate · 0.60% interest rate
Rate checked
More details - North American Savings BankPremium Money Market CheckingPremium Money Market Checking · $1,000 min · 0.05%–0.50% by balance
Bank · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: A monthly maintenance fee of $7.50 applies if the $1,000 monthly minimum balance requirement is not met. Account requires a $1,000 minimum opening deposit.
Offer: Monthly maintenance fee of $7.50 is charged if the $1,000 minimum balance requirement is not met.
$7.50 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Premium Money Market Checking Balance APY Up to $25,000Your amount 0.40% $25,000 – $1,500,000 0.50% $1,500,000 and up 0.05% Rate checked
More details - United Consumers Credit UnionShare SavingsSavings · $500 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Establishes membership and ownership. 3 free withdrawals per month; $3 fee for each withdrawal in excess thereafter. No monthly maintenance fees.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Share Savings Balance APY $500 – $1,000 0.05% $1,000 – $2,500 0.10% $2,500 – $5,000 0.30% $5,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 and up 0.50% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly maintenance fee of $7.50 waived if $100 minimum balance requirement is met.
Offer: Monthly maintenance fee waived if $100 minimum balance is met.
$7.50 monthly fee · Effective Oct 16, 2026
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.05%–2.50% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Standard APY for balances less than $5,000. Monthly maintenance fee waived for first 60 days or with a $5,000 minimum daily balance.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.30% $25,000 – $100,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 0.65% $100,000 – $250,000Monthly maintenance fee waived with a $5,000 minimum daily balance. 1.70% $250,000 and upMonthly maintenance fee waived with a $5,000 minimum daily balance. 2.50% Rate checked
More details - Equity BankRewards Money MarketRewards Money Market · $1,000 min · 0.30%–2.50% by balance
Bank · 3 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Rewards Checking customer. 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. Requires Rewards Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Rewards Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.50% Rate checked
More details - Equity BankPerks Plus Money MarketPerks Plus Money Market · $1,000 min · 0.30%–2.25% by balance
Bank · 3 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Requires being a Perks Plus Checking customer. 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. Requires Perks Plus Checking.
Qualified rate · Compounded monthly
Rate by balance
Rate by balance for Perks Plus Money Market Balance APY Up to $24,999Your amount 0.30% $25,000 – $100,000 0.75% $100,000 and up 2.25% Rate checked
More details - 0.25%APY$25 a year on $10,000intro rate
Requirements
Product: Requires $25 minimum monthly direct deposit. Minimum balance requirement of $200 after first six months. Monthly maintenance fee of $0 with direct deposit for first six months, then $7.50 if minimum balance not met.
Offer: Requires $25 minimum monthly direct deposit. $0 monthly maintenance fee with direct deposit for first 6 months, then $7.50 if $200 minimum balance is not met.
No monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Standard savings account. $4.00 monthly service fee can be waived by maintaining a minimum daily balance of $300.00 (or average monthly balance of $300) or enrolling in online statements. 6 free withdrawals per month; after that, $1 per withdrawal.
Offer: Applies to balances $0.01 - $25,000.00. Rates subject to change daily.
Balance cap $25,000 · $4 monthly fee
Rate checked
More details - Holy Rosary Credit UnionSavings AccountsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Required to establish and maintain membership with Holy Rosary Credit Union. APY is as high as based on tier, term or other factors. Penalties may be imposed for early withdrawals.
Offer: Penalties may be imposed for early withdrawals.
0.00% interest rate · Effective Feb 1, 2025
Rate by balance
Rate by balance for Savings Accounts Balance APY Up to $100 0.00% $100 – $10,000 0.05% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.25% $100,000 and up 0.25% Rate checked
More details - North American Savings BankPerformance SavingsSavings · $5,000 min · 0.15%–0.35% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Monthly maintenance fee of $7.50 waived if $5,000 minimum balance requirement is met.
Offer: Monthly maintenance fee waived if $5,000 minimum balance is met.
$7.50 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Performance Savings Balance APY $5,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $75,000 0.30% $75,000 – $1,500,000 0.35% $1,500,000 and up 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must maintain a minimum balance of $1.00. Account earns interest on days the balance is above $25.00.
Offer: Earns interest on days the balance is above $25.00.
0.15% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Open to employees of specified school districts/employers and their family members. Requires a one-time membership fee of $1.00 and maintaining at least a $25.00 balance (one share) for credit union membership.
Offer: Dividends compounded/paid quarterly on balances of $100 or more. No monthly service charge.
0.15% interest rate · No monthly fee
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
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 St. Joseph, MO
38 accounts at 14 banks and credit unions · checked Oct 16–17
- Typical
- 0.33%
- Top 10% from
- 2.65%
- Banks, typical
- 0.30%
- Credit unions, typical
- 0.78%
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St. Joseph, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Postal & Community Credit UnionCredit union · 2 branches
- United Consumers Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches