Compare Bank & Credit Union Rates
Best savings rates in Springfield, 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 Springfield, MO
- Metro Credit UnionAccidental SavingsSavings · $0 min · 4.06%–5.09% by balance
Credit union · 2 branches
5.09%APY$509 a year on $10,000Requirements
Offer: Tier 1 rate. Dividend rates are subject to change.
4.00% interest rate · Effective Dec 31, 2025
Rate by balance
Rate by balance for Accidental Savings Balance APY Up to $2,500 4.06% Over $2,500Your amountTier 2 rate. 5.09% Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 2 branches
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 4 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 4 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - BluCurrent Credit UnionMoney MarketMoney Market · $2,500 min · 2.40%–3.40% by balance
Credit union · 3 branches
2.40%APY$240 a year on $10,000Requirements
Product: Dividends compounded and credited monthly based on daily balance. Requires maintaining a balance of at least $2,500 to earn interest. Up to 6 withdrawals per month without penalty.
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 2.40% $50,000 – $100,000 2.65% $100,000 – $250,000 2.90% $250,000 – $500,000 3.15% $500,000 and up 3.40% Rate checked
More details - BluCurrent Credit UnionPremium Coverage Money MarketPremium Coverage Money Market · $2,500 min · 2.30%–3.30% by balance
Credit union · 3 branches
2.30%APY$230 a year on $10,000Requirements
Product: Insured up to $2,000,000 by Excess Share Insurance Corporation (ESI). Up to 6 withdrawals per month without penalty while keeping required minimum balance.
Rate by balance
Rate by balance for Premium Coverage Money Market Balance APY $2,500 – $50,000Your amount 2.30% $50,000 – $100,000 2.55% $100,000 – $250,000 2.80% $250,000 – $500,000 3.05% $500,000 and up 3.30% Rate checked
More details - Sullivan BankPremium Money MarketPremium Money Market · $2,500 min · 0.05%–3.50% by balance
Bank · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Deposits, in person withdrawals and ATM access are unlimited. You must maintain an average daily balance of $2,500 or a monthly $10 fee will apply. $10 fee for each withdrawal in excess of eight per statement cycle.
Offer: Balances below $10,000. Monthly $10 fee if average daily balance is below $2,500.
$10 monthly fee · Effective Mar 17, 2025
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 2.25% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.50% Rate checked
More details - TelComm CUMoney Market AccountMoney Market Account · $2,500 min · 2.02%–3.30% by balance
Credit union · 4 branches
2.12%APY$212 a year on $10,000Requirements
Product: Minimum required deposit of $2,500. Dividends paid monthly. Interest based on average daily balance. Includes up to 6 withdrawals or transfers per month for free; $1 charge per withdrawal after that. Variable interest rate. Does not allow debit card.
2.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 2.02% $10,000 – $24,999Your amount 2.12% $25,000 – $49,999 2.12% $50,000 – $99,999 2.63% $100,000 – $249,999 2.89% $250,000 and up 3.30% 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 - Multipli Credit UnionMoney MarketMoney Market · $1,000 min · 0.85%–2.20% by balance
Credit union · 3 branches
1.30%APY$130 a year on $10,000Requirements
Product: No monthly fees. Limit 3 withdrawals per month. Monthly dividends. Minimum balance of $1,000 to earn dividends and avoid a service fee; $0 minimum opening balance.
No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $9,999 0.85% $10,000 – $24,999Your amount 1.30% $25,000 – $99,999 1.80% $100,000 and up 2.20% Rate checked
More details - Volt Credit UnionInvestment SavingsSavings · $2,500 min · 1.01%–1.51% by balance
Credit union · 3 branches
1.11%APY$111 a year on $10,000Requirements
Product: Tiered rate account.
Offer: Minimum daily balance to avoid a service fee is $2,500.00. Minimum daily balance to earn stated APY is $2,500.00. Dividends compounded and credited monthly.
1.00% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for Investment Savings Balance APY $2,500 – $10,000 1.01% $10,000 – $25,000Your amount 1.11% $25,000 and up 1.51% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: A $6.00 monthly service fee can be waived by enrolling in online statements or maintaining an average balance of $1,000. 6 free withdrawals or transfers per month, $2 per transaction thereafter. Tiered rate account; see a personal banker for additional rate tier information.
Offer: Waive $6.00 monthly service fee by enrolling in online statements or maintaining an average balance of $1,000. Tiered rate account; see a personal banker for additional rate tier information.
Balance cap $25,000 · $6 monthly fee
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 Springfield, MO
84 accounts at 26 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.09%
- Credit unions, typical
- 0.10%
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Springfield, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 3 branches
- UMB BankBank · 2 branches
- BluCurrent Credit UnionCredit union · 5 branches