Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 of 305 results in Missouri
- 4.50%APY$450 a year on $10,000with conditions
Requirements
Product: Tiered based on qualified balance and combined account total.
Offer: Qualified Balances up to $25,000.00. Interest compounded monthly.
Qualified rate · 4.41% interest rate · Compounded monthly · Effective Mar 25, 2024
Rate by balance
Rate by balance for CB Legacy Balance APY Up to $25,000Your amount 4.50% Over $25,000Qualified; stated APY range is 4.50% - 0.83%. $125,000.00). 0.10%* Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Online-only account. Interest compounded daily and credited on the last day of each calendar quarter. Transaction limits apply.
Offer: Below $9,999.99 balance.
0.05% interest rate · Compounded daily · $10 monthly fee · Effective Oct 23, 2026
Rate by balance
Rate by balance for High Yield eSavings Balance APY Up to $10,000 0.05% $10,000 and upYour amountaccount must be enrolled in eStatements; 4.00% Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Personal and consumer funds only. No business or institutional funds allowed. Available online or in branch.
Offer: Requires $2,500 minimum balance to earn advertised APY. Rate available both online and in branch.
Effective Oct 29, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Special rates apply if requirements are met. If not, rate defaults to .01%.
Offer: If requirements are met. If not, rate defaults to .01%.
Qualified rate · 3.93% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bloom With Us Green Balance APY Up to $15,000Your amount 4.00% Over $15,000 0.20% Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.86% by balance
Bank · 43 branches
3.86%APY$386 a year on $10,000Requirements
Product: Interest paid on tiered balances. Debit card access. Monthly service fee waiver option. Fees and charges may reduce earnings.
Offer: Tier I. Listed for accounts opened online; may vary by region.
0.10% interest rate
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. 3.86% $25,000 – $50,000Tier III. 3.86% $50,000 – $75,000Tier IV. 3.86% $75,000 – $100,000Tier V. 3.86% $100,000 – $1,000,000Tier VI. 3.86% $1,000,000 and upTier VII. 3.86% Rate checked
More details - Commercial Trust CompanySavings TieredSavings · $1,000 min · 0.00%–3.81% by balance
Bank · 2 branches
3.81%APY$381 a year on $10,000Requirements
Product: One account per customer social security number. Limited to 4 combined total withdrawals per month (withdrawals exceeding 4 charged $2.00 item fee per withdrawal over limit; internal transfers not counted as a withdrawal). Rates subject to change at financial institution's discretion.
Offer: Rate is current as of 08/20/2026. Minimum $1,000 to open.
0.00% interest rate · Effective Aug 20, 2026
Rate by balance
Rate by balance for Savings Tiered Balance APY Up to $1,000 0.00%* $1,000 – $20,000Your amount 3.81% Over $20,000 0.05% Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: Applicants must have a current U.S. home address (excluding U.S. territories, with the exception of Puerto Rico), a U.S. SSN, a valid U.S. driver's license or state ID, and be 18 years of age or older. Individual and joint ownership offered. Max deposit limit of $1,000,000.
Offer: Variable rate; interest compounded and credited monthly. Must maintain a minimum balance of $0.01 each day to obtain disclosed APY. Initial deposit must be between $1,000 and $250,000 made via internal transfer or external ACH debit.
3.69% interest rate · Balance cap $1,000,000 · No monthly fee · Effective Sep 22, 2026
Rate checked
More details - North American Savings BankUltimate SavingsSavings · $10,000 min · 0.01%–3.60% by balance
Bank · 10 branches
3.60%APY$360 a year on $10,000Requirements
Product: Blended interest rate. Available online through nasb.com only. Rates only available in the Greater Kansas City (KS/MO) area. $30 account closure fee applies if closed within 90 days of opening.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Ultimate Savings Balance APY Up to $50,000Your amount 3.60% $50,000 – $1,999,999 3.60% $2,000,000 and up 0.01% Rate checked
More details - 3.60%APY$360 a year on $10,000
Requirements
Product: Online only. High-yield online savings account available nationally. Interest is compounded monthly.
3.54% interest rate · Compounded monthly
Rate checked
More details - CNB St. Louis BankForward Savings AccountSavings · $1,000 min · 0.25%–3.50% by balance
Bank · 6 branches
3.50%APY$350 a year on $10,000Requirements
Product: Available to consumer accounts only (individual, joint, trust, and UTMA). Limited to one account per primary owner. Accounts with a $0 balance for 30 days will automatically close. Does not include debit card or ATM access.
Offer: Interest accrues daily and is compounded quarterly. Rates are variable and may change after account opening.
Compounded quarterly · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Forward Savings Account Balance APY Up to $1,000,000Your amount 3.50% Over $1,000,000 0.25% Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Tiered based on qualified balance and combined account total.
Offer: Qualified Balances up to $15,000.00. Interest compounded monthly.
Qualified rate · 3.45% interest rate · Compounded monthly · Effective Mar 25, 2024
Rate by balance
Rate by balance for CB Loyalty Balance APY Up to $15,000Your amount 3.50% Over $15,000Qualified; stated APY range is 3.50% - 0.49%. $115,000.00). 0.10%* Rate checked
More details - Heritage Bank of the OzarksPremium Money MarketPremium Money Market · $2,500 min · 3.40%–3.50% by balance
Bank · 3 branches
3.40%APY$340 a year on $10,0003.35% interest rate · Effective Apr 15, 2025
Rate by balance
Rate by balance for Premium Money Market Balance APY $2,500 – $150,000Your amount 3.40% $150,000 and up 3.50% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 5 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 30, 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 - Associated BankAssociated Select Money MarketAssociated Select Money Market · $1,000 min
Bank · 1 branch
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: Features tiered interest rates and enhanced rate tiers when combined with qualifying Associated Choice Checking relationship tiers (Platinum Choice, Emerald Choice, Emerald Private Choice). Monthly maintenance fee of $16 is waived with a minimum daily balance of $1,000.
Offer: Emerald Private Choice enhanced rate tier. Requires meeting and maintaining Emerald Private Choice benefit tier qualifications on an Associated Choice Checking account. $16 monthly maintenance fee waived with a minimum daily balance of $1,000.
Qualified rate · 3.15% interest rate · $16 monthly fee · Effective Oct 29, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 5 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 30, 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Missouri
308 accounts at 116 banks and credit unions · checked Oct 30–31
- Typical
- 0.25%
- Top 10% from
- 2.00%
- Banks, typical
- 0.25%
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Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- Postal & Community Credit UnionCredit union · 2 branches