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 results in Lebanon, MO metro
- Heritage Bank of the OzarksPremium Money MarketPremium Money Market · $2,500 min · 3.40%–3.50% by balance
Bank · 1 branch
3.40%APY$340 a year on $10,0003.45% 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 - 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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. e-Statements required to open and maintain the account. No monthly maintenance fees.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during a Monthly Qualification Cycle (at least 12 debit card purchases post and settle, at least 1 ACH credit or payment post and settle, enrolled in e-statements). Paid on the portion of daily balance <= $50,000.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Apr 4, 2023
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 1.00% $50,000 and upWhen qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during a Monthly Qualification Cycle. 0.53% Rate checked
More details - Heritage Bank of the OzarksNeighbor Rewards SavingsSavings · $100 min · 0.25%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Links to free Neighbor Rewards Checking; opening and maintaining Neighbor Rewards Checking qualifies for Neighbor Rewards Savings.
Offer: No minimum balance to earn rewards.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Apr 15, 2025
Rate by balance
Rate by balance for Neighbor Rewards Savings Balance APY Up to $100,000Your amount 0.75% Over $100,000 0.25%* Rate checked
More details - First State Community BankConsumer Premium Money MarketConsumer Premium Money Market · $10,000 min · 0.00%–3.56% by balance
Bank · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must open a new Consumer Premium Money Market Account. Clients with an existing FSCB money market or who closed a Money Market Account within 30 days of opening are not eligible. Must be a Missouri resident. Cannot be opened online. Opening deposit $10,000. $20 monthly service charge waived by maintaining an average daily ledger balance of $10,000 or more. $3 monthly paper statement fee avoided by enrolling in electronic statements. Up to 6 free withdrawals per monthly statement cycle ($5 per additional withdrawal). Variable rate. Must maintain a minimum balance of $2,500 in the account each day to obtain disclosed APY.
Offer: Opening deposit $10,000. $20 monthly fee waived with $10,000+ average daily ledger balance. $3 paper statement fee waived with e-statements. Must maintain minimum balance of $2,500 each day to obtain APY > 0.
0.00% interest rate · $20 monthly fee · Effective Nov 5, 2025
Rate by balance
Rate by balance for Consumer Premium Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.25% $10,000 – $50,000Your amountMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.35% $50,000 – $100,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 0.85% $100,000 – $250,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.63% $250,000 – $500,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 2.89% $500,000 – $1,000,000Must maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.04% $1,000,000 and upMust maintain minimum balance of $2,500 each day to obtain disclosed APY. 3.56% Rate checked
More details - Mid-Missouri BankMoney Market AccountMoney Market Account · $1,000 min · 0.20%–0.30% by balance
Bank · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $1,000 minimum balance.
Offer: Avoid the $10 monthly maintenance fee by maintaining a $1,000 minimum balance.
$10 monthly fee · Effective Apr 4, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.20% $2,500 – $9,999 0.25% $10,000 – $24,999Your amount 0.30% $25,000 – $49,999 0.30% $50,000 and up 0.30% Rate checked
More details - Heritage Bank of the OzarksMoney MarketMoney Market · $2,500 min · 0.15%–0.50% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY.
Offer: Waive $10 monthly maintenance fee with a minimum daily balance of $2,500.00 or an average collected balance of $7,500.00. Must maintain a minimum daily balance of $2,500.00 in account each day to earn disclosed APY.
0.15% interest rate · $10 monthly fee · Effective Apr 15, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $150,000 0.35% $150,000 and up 0.50% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: $6 monthly maintenance fee waived if you maintain $300 minimum balance.
0.15% interest rate · $6 monthly fee · Effective Apr 15, 2025
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 - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Available to eligible heroes (Veterans, Active & Retired Military, National Guard and Reservists, Nurses, Firefighters, Emergency Medical Services, Professional Educators, School District Employees, Sheriffs, County Jailers, Corrections Officers, Juvenile Corrections Officers, Public Security Officers, Peace Officers, and Constables). Requires a High-Rate Checking account.
Offer: Base rate earned on all balances when High-Rate Checking qualifications are not met during a Monthly Qualification Cycle.
Qualified rate · No monthly fee · Effective Jul 1, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Requires a linked High-Rate Checking account.
Offer: Base rate earned on all balances when High-Rate Checking qualifications are not met during a Monthly Qualification Cycle.
Qualified rate · No monthly fee · Effective Jul 1, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. e-Statements required to open and maintain the account. No monthly maintenance fees.
Offer: Base rate applied to all balances if linked Kasasa Cash or Kasasa Cash Back qualifications are not met during the Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Apr 4, 2023
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Unlimited withdrawals each month. $3 monthly minimum balance fee waived for persons 17 and under and over 60.
Offer: Variable interest rate may change after account opening. $3 monthly fee if balance falls below $100 minimum; fee waived for persons 17 and under and over 60.
$3 monthly fee · Effective Oct 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 Lebanon, MO metro
20 accounts at 7 banks and credit unions · checked Oct 16–17
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.05%
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Lebanon, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Infuze Credit UnionCredit union · 2 branches